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Loan programs · New York

DSCR loan officers in New York

As of 2026-10-09, LenDb lists 6 loan officers licensed in or based in New York whose lender pages show DSCR loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Glenn Dube (Embrace Home Loans, Melville) and Walter Gorman (CrossCountry Mortgage, Rutherford). Ranking is lender-neutral: specialty evidence first, then a license in NY, branch location, experience and profile completeness. Nobody pays for placement.

Last verified . Sources: lender loan officer pages and state license records. Licenses: check NMLS Consumer Access.

Ranked, with reasons · top 6

  1. 1

    Eric RosemaryNMLS 301253

    CrossCountry Mortgage · Boca Raton, FL · licensed in 15 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Foreign national
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    Glenn DubeNMLS 36832

    Embrace Home Loans · Melville, NY

    • DSCR loan
    • Bank statement loan
    • Asset-based qualifying
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • No disciplinary actions on file at LenDb
  3. 3

    Walter GormanNMLS 138370

    CrossCountry Mortgage · Rutherford, NJ · licensed in 6 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Javier Kato, CMANMLS 2230547

    CrossCountry Mortgage · Brooklyn, NY · licensed in 2 states

    • DSCR loan
    • FHA loan
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in NY (listed on lender page, verified 2026-10-09)
    • Branch in New York
    • No disciplinary actions on file at LenDb
  5. 5

    Shaun SlightNMLS 1661639

    Cardinal Financial Company · Melville, NY

    • DSCR loan
    • First-time buyer
    • Real estate investor
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb
  6. 6

    Shianna PatronNMLS 2018519

    Embrace Home Loans · Melville, NY

    • DSCR loan
    • Real estate investor
    • First-time buyer
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Branch in New York; no license list on file yet, verify at NMLS Consumer Access
    • No disciplinary actions on file at LenDb

Before you choose

Minimum DSCR ratios, rent schedules and prepayment penalties differ widely across lenders.

  • What minimum DSCR do you require, and how do you calculate rent?
  • Can I close in an LLC?
  • What prepayment penalty options do you offer?

More about DSCR loan

How this list is ranked

Specialty evidence carries the most weight (production data, then lender page, then self-reported). Loan officers must be licensed in NY or have a branch there. Then branch location, years licensed and profile completeness. Disciplinary actions lower the score and are always shown. No paid placement. Methodology.

Same list as JSON: /api/v1/loan-officers?specialty=dscr&state=NY. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.