--- canonical_url: https://lendb.ai/s/dscr/north-carolina last_verified: 2026-10-09 --- # DSCR loan officers in North Carolina As of 2026-10-09, LenDb lists 21 loan officers licensed in or based in North Carolina whose lender pages show DSCR loan work. The top-ranked are Eric Rosemary (CrossCountry Mortgage, Boca Raton), Mitchell Dunn (Loan Factory) and Russell Smith (ALCOVA Mortgage, Whiteville). Ranking is lender-neutral: specialty evidence first, then a license in NC, 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) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2012 (per Florida records) - States 20 years of experience (lender page, 2026-10-09) 2. **[Mitchell Dunn](https://lendb.ai/lo/mitchell-dunn-1378534)** (NMLS 1378534), Loan Factory - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 15 years of experience (lender page, 2026-10-09) 3. **[Russell Smith](https://lendb.ai/lo/russell-smith-78989)** (NMLS 78989), ALCOVA Mortgage, Whiteville, NC - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Whiteville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - States 32 years of experience (lender page, 2026-10-09) 4. **[Jason Fox](https://lendb.ai/lo/jason-fox-179208)** (NMLS 179208), NFM Lending, Frederick, MD - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2018 (per Florida records) 5. **[Josh Penland](https://lendb.ai/lo/joshua-penland-216357)** (NMLS 216357), Fairway Independent Mortgage Corporation, Round Rock, TX - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) - States 23 years of experience (lender page, 2026-10-09) 6. **[Erik Browning](https://lendb.ai/lo/erik-browning-2264602)** (NMLS 2264602), CrossCountry Mortgage, Scottsdale, AZ - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2025 (per Florida records) 7. **[Mason Isgrig](https://lendb.ai/lo/mason-isgrig-2296985)** (NMLS 2296985), ALCOVA Mortgage, Asheville, NC - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in Asheville, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 8. **[Hunter Strayhorn](https://lendb.ai/lo/hunter-strayhorn-1778160)** (NMLS 1778160), CrossCountry Mortgage, Johnson City, TN - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 9. **[Jim Brettl](https://lendb.ai/lo/jim-brettl-455400)** (NMLS 455400), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 10. **[Steve Furdock](https://lendb.ai/lo/steve-furdock-376017)** (NMLS 376017), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2011 (per Florida records) 11. **[Steve Anderson](https://lendb.ai/lo/steve-anderson-1096829)** (NMLS 1096829), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2015 (per Florida records) 12. **[Jeff Sherry](https://lendb.ai/lo/jeff-sherry-1627459)** (NMLS 1627459), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2017 (per Florida records) 13. **[Lekh Sharma](https://lendb.ai/lo/lekh-sharma-2503420)** (NMLS 2503420), Guild Mortgage, High Point, NC - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in High Point, NC - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 14. **[Ayeh Klait](https://lendb.ai/lo/ayeh-klait-1855448)** (NMLS 1855448), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2019 (per Florida records) 15. **[Ann Vu](https://lendb.ai/lo/ann-vu-2839756)** (NMLS 2839756), Loan Factory, NC - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Office in North Carolina - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 16. **[Jordan Taylor](https://lendb.ai/lo/jordan-taylor-1862550)** (NMLS 1862550), Fairway Independent Mortgage Corporation, Fredericksburg, VA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 17. **[Charles Davis](https://lendb.ai/lo/charles-davis-1740379)** (NMLS 1740379), Empire Home Loans - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2022 (per Florida records) 18. **[Desiree' Byrne](https://lendb.ai/lo/desiree-byrne-2122934)** (NMLS 2122934), Xpert Home Lending - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) - Licensed since 2021 (per Colorado records) 19. **[Matthew Morrow](https://lendb.ai/lo/matthew-morrow-2810108)** (NMLS 2810108), Lit Financial Corporation - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) 20. **[Peyton Ginyard](https://lendb.ai/lo/peyton-ginyard-2742977)** (NMLS 2742977), Loan Factory, Lawrenceville, GA - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - NC listed on their lender page (not yet checked with the state regulator; verify at NMLS) ## 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/north-carolina. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._