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Loan programs · Tennessee

DSCR loan officers in Tennessee

As of 2026-10-09, LenDb lists 25 loan officers licensed in or based in Tennessee whose lender pages show DSCR loan work. The top-ranked are John Nguyen (Guild Mortgage, Boca Raton), Eric Rosemary (CrossCountry Mortgage, Boca Raton) and Jonathan Salinas (CrossCountry Mortgage, Memphis). Ranking is lender-neutral: specialty evidence first, then a license in TN, 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 25

  1. 1

    John NguyenNMLS 389742

    Guild Mortgage · Boca Raton, FL · licensed in 21 states

    • DSCR loan
    • 1099 income
    • Bank statement loan
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  2. 2

    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 TN (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Jonathan SalinasNMLS 2451140

    CrossCountry Mortgage · Memphis, TN · licensed in 6 states

    • DSCR loan
    • Down payment assistance
    • ITIN borrower
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • Branch in Tennessee
    • 3 years licensed
  4. 4

    Kirk TaylorNMLS 312131

    CrossCountry Mortgage · Naples, FL · licensed in 16 states

    • DSCR loan
    • 1099 income
    • Bank statement loan
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  5. 5

    Jason FoxNMLS 179208

    NFM Lending · Frederick, MD · licensed in 18 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • Real estate investor
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Sam KlaburnerNMLS 140132

    Loan Factory · licensed in 4 states

    • DSCR loan
    • Down payment assistance
    • FHA loan
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Steve CrossmanNMLS 995551

    CrossCountry Mortgage · McKinney, TX · licensed in 6 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Real estate investor
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    James HairNMLS 1680348

    CrossCountry Mortgage · Houston, TX · licensed in 11 states

    • DSCR loan
    • Low credit score
    • Renovation loan (203k / HomeStyle)
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Tom CullenNMLS 459668

    Princeton Mortgage · licensed in 5 states

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • Renovation loan (203k / HomeStyle)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  10. 10

    Jim BrettlNMLS 455400

    Xpert Home Lending · licensed in 13 states

    • DSCR loan
    • Bank statement loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  11. 11

    Alan CraftNMLS 12157

    Loan Factory · licensed in 3 states

    • DSCR loan
    • FHA loan
    • Jumbo loan
    • USDA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  12. 12

    Sam BromleyNMLS 1151654

    Xpert Home Lending · licensed in 10 states

    • DSCR loan
    • VA loan
    • Real estate investor
    • Asset-based qualifying
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 12 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Billy AbdallahNMLS 1579598

    Lit Financial Corporation · licensed in 10 states

    • DSCR loan
    • Non-QM loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Kevin RollerNMLS 250375

    LeaderOne Financial · Overland Park, KS · licensed in 43 states

    • DSCR loan
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    William CommonsNMLS 79745

    Assurance Financial · Baton Rouge, LA · licensed in 36 states

    • DSCR loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Trisha CooperNMLS 1965251

    ALCOVA Mortgage · Chantilly, VA · licensed in 3 states

    • DSCR loan
    • First-time buyer
    • Real estate investor
    • Self-employed
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Jordan TaylorNMLS 1862550

    Fairway Independent Mortgage Corporation · Fredericksburg, VA · licensed in 15 states

    • DSCR loan
    • Construction loan
    • FHA loan
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Kane NavarroNMLS 1705907

    Xpert Home Lending · licensed in 5 states

    • DSCR loan
    • VA loan
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Henry DoNMLS 1863960

    Lit Financial Corporation · licensed in 7 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Josh PenlandNMLS 216357

    Fairway Independent Mortgage Corporation · Round Rock, TX · licensed in 6 states

    • DSCR loan
    • First-time buyer
    • Jumbo loan
    • Real estate investor
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  21. 21

    John KladisNMLS 2324532

    Loan Factory · licensed in 5 states

    • DSCR loan
    • 1099 income
    • Bank statement loan
    • Construction loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  22. 22

    Sharif BasetNMLS 2820377

    Loan Factory · Duluth, GA · licensed in 12 states

    • DSCR loan
    • Asset-based qualifying
    • FHA loan
    • Foreign national
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    Ravi K BansalNMLS 2840451

    Loan Factory · Seattle, WA · licensed in 19 states

    • DSCR loan
    • Real estate investor
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    Tyler FrantangeloNMLS 1211919

    Lit Financial Corporation · licensed in 8 states

    • DSCR loan
    • Bank statement loan
    • Condo
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in TN (listed on lender page, verified 2026-10-09)
    • 0 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Hunter StrayhornNMLS 1778160

    CrossCountry Mortgage · Johnson City, TN

    • DSCR loan
    • Bank statement loan
    • Construction loan
    • Down payment assistance
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Branch in Tennessee; 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 TN 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=TN. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.