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

# DSCR loan officers in Oregon

As of 2026-10-09, LenDb lists 10 loan officers licensed in or based in Oregon whose lender pages show DSCR loan work. The top-ranked are Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene), Aaron Rodriguez (CrossCountry Mortgage, Lake Oswego) and Eric Whitney Hexum (Guild Mortgage, Kennewick). Ranking is lender-neutral: specialty evidence first, then a license in OR, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Denise Cuddeback Montgomery](https://lendb.ai/lo/denise-montgomery-57734)** (NMLS 57734), American Pacific Mortgage, Eugene, OR
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Office in Eugene, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 21, 2023 (Florida), per state regulator
   - States 30 years of experience (lender page, 2026-10-09)
2. **[Aaron Rodriguez](https://lendb.ai/lo/aaron-rodriguez-452234)** (NMLS 452234), CrossCountry Mortgage, Lake Oswego, OR
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Office in Lake Oswego, OR
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
3. **[Eric Whitney Hexum](https://lendb.ai/lo/eric-whitney-hexum-1569697)** (NMLS 1569697), Guild Mortgage, Kennewick, WA
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: January 6, 2021 (Florida), per state regulator
4. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: August 16, 2023 (Colorado), per state regulator
5. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
6. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: March 27, 2015 (Florida), per state regulator
7. **[David K. Clark III](https://lendb.ai/lo/david-k-clark-iii-1375791)** (NMLS 1375791), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: February 22, 2017 (Florida), per state regulator
8. **[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)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 21, 2021 (Colorado), per state regulator
9. **[Henry Do](https://lendb.ai/lo/henry-do-1863960)** (NMLS 1863960), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: June 26, 2023 (Colorado), per state regulator
10. **[Ryan McGran](https://lendb.ai/lo/ryan-mcgran-2520487)** (NMLS 2520487), Lit Financial Corporation
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - OR listed on their lender page (not yet checked with the state regulator; verify at NMLS)
   - Earliest state license record: September 20, 2023 (Colorado), per state regulator

## 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/oregon.

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