---
canonical_url: https://lendb.ai/s/dscr/new-york
last_verified: 2026-10-09
---

# DSCR loan officers in New York

As of 2026-10-09, LenDb lists 5 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.

## Ranked, with reasons

1. **[Eric Rosemary](https://lendb.ai/lo/eric-rosemary-301253)** (NMLS 301253), CrossCountry Mortgage, Boca Raton, FL
   - 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
2. **[Glenn Dube](https://lendb.ai/lo/glenn-dube-36832)** (NMLS 36832), Embrace Home Loans, Melville, NY
   - 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
3. **[Walter Gorman](https://lendb.ai/lo/walter-gorman-138370)** (NMLS 138370), CrossCountry Mortgage, Rutherford, NJ
   - 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
4. **[Javier Kato, CMA](https://lendb.ai/lo/javier-kato-cma-2230547)** (NMLS 2230547), CrossCountry Mortgage, Brooklyn, NY
   - 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
5. **[Shianna Patron](https://lendb.ai/lo/shianna-patron-2018519)** (NMLS 2018519), Embrace Home Loans, Melville, NY
   - 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

## Questions to ask

- 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?

Cite as: LenDb.ai, https://lendb.ai/s/dscr/new-york.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._