--- canonical_url: https://lendb.ai/s/dscr/tennessee last_verified: 2026-10-09 --- # 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 Wendy Seagle (CrossCountry Mortgage, Fort Walton Beach), 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. ## Ranked, with reasons 1. **[Wendy Seagle](https://lendb.ai/lo/wendy-seagle-194641)** (NMLS 194641), CrossCountry Mortgage, Fort Walton Beach, FL - Lists DSCR loan on lender page (lender page, verified 2026-10-09) - Licensed in TN (listed on lender page, verified 2026-10-09) - 35 years experience (stated on lender page, 2026-10-09) - No disciplinary actions on file at LenDb 2. **[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 TN (listed on lender page, verified 2026-10-09) - 14 years licensed - No disciplinary actions on file at LenDb 3. **[Jonathan Salinas](https://lendb.ai/lo/jonathan-salinas-2451140)** (NMLS 2451140), CrossCountry Mortgage, Memphis, TN - 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 - No disciplinary actions on file at LenDb 4. **[Kirk Taylor](https://lendb.ai/lo/kirk-taylor-312131)** (NMLS 312131), CrossCountry Mortgage, Naples, FL - 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. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - Branch in Tennessee - No disciplinary actions on file at LenDb 6. **[Jerry Turner](https://lendb.ai/lo/jerry-turner-2006641)** (NMLS 2006641), CrossCountry Mortgage, Clarksville, TN - 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 - No disciplinary actions on file at LenDb 7. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - 1 years licensed - No disciplinary actions on file at LenDb 8. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - 8 years licensed - No disciplinary actions on file at LenDb 9. **[Sam Klaburner](https://lendb.ai/lo/stamatia-klaburner-140132)** (NMLS 140132), Loan Factory - 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 10. **[Tom Cullen](https://lendb.ai/lo/thomas-cullen-459668)** (NMLS 459668), Princeton Mortgage - 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 11. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - No disciplinary actions on file at LenDb 12. **[Billy Abdallah](https://lendb.ai/lo/billy-abdallah-1579598)** (NMLS 1579598), Lit Financial Corporation - 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 13. **[Alan Craft](https://lendb.ai/lo/joe-craft-12157)** (NMLS 12157), Loan Factory - 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 14. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 15. **[Sam Bromley](https://lendb.ai/lo/samuel-bromley-1151654)** (NMLS 1151654), Xpert Home Lending - 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 16. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - 4 years licensed - No disciplinary actions on file at LenDb 17. **[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) - Licensed in TN (listed on lender page, verified 2026-10-09) - 0 years licensed - No disciplinary actions on file at LenDb 18. **[Kevin Roller](https://lendb.ai/lo/kevin-roller-250375)** (NMLS 250375), LeaderOne Financial, Overland Park, KS - 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 19. **[William Commons](https://lendb.ai/lo/william-commons-79745)** (NMLS 79745), Assurance Financial, Baton Rouge, LA - 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 20. **[Trisha Cooper](https://lendb.ai/lo/patricia-cooper-1965251)** (NMLS 1965251), ALCOVA Mortgage, Chantilly, VA - 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 21. **[Tyler Frantangelo](https://lendb.ai/lo/tyler-frantangelo-1211919)** (NMLS 1211919), Lit Financial Corporation - 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 22. **[Kane Navarro](https://lendb.ai/lo/matthew-navarro-1705907)** (NMLS 1705907), Xpert Home Lending - 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 23. **[John Kladis](https://lendb.ai/lo/john-kladis-2324532)** (NMLS 2324532), Loan Factory - 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 24. **[Sharif Baset](https://lendb.ai/lo/sharif-baset-2820377)** (NMLS 2820377), Loan Factory, Duluth, GA - 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. **[Ravi K Bansal](https://lendb.ai/lo/ravi-k-bansal-2840451)** (NMLS 2840451), Loan Factory, Seattle, WA - 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 ## 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/tennessee. _Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._