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Loan programs · Virginia

DSCR loan officers in Virginia

As of 2026-10-09, LenDb lists 32 loan officers licensed in or based in Virginia whose lender pages show DSCR loan work. The top-ranked are Bill Gaylord (Guild Mortgage, Henderson), John Nguyen (Guild Mortgage, Boca Raton) and Eric Rosemary (CrossCountry Mortgage, Boca Raton). Ranking is lender-neutral: specialty evidence first, then a license in VA, 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

    Bill GaylordNMLS 680603

    Guild Mortgage · Henderson, NV · licensed in 7 states

    • DSCR loan
    • FHA loan
    • Jumbo loan
    • Renovation loan (203k / HomeStyle)
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 33 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

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

    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 VA (listed on lender page, verified 2026-10-09)
    • 14 years licensed
    • No disciplinary actions on file at LenDb
  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 VA (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 VA (listed on lender page, verified 2026-10-09)
    • 8 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    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 VA (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Russell SmithNMLS 78989

    ALCOVA Mortgage · Whiteville, NC · licensed in 3 states

    • DSCR loan
    • Construction loan
    • Real estate investor
    • Rural property
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 32 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  8. 8

    Walter GormanNMLS 138370

    CrossCountry Mortgage · Rutherford, NJ · licensed in 6 states

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

    Tracey RadinovicNMLS 997560

    Fairway Independent Mortgage Corporation · Overland Park, KS · licensed in 13 states

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

    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 VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 5 years licensed
  12. 12

    Vivek AgarwalNMLS 2564210

    Loan Factory · licensed in 13 states

    • DSCR loan
    • Down payment assistance
    • FHA loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    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 VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 4 years licensed
  14. 14

    Kyle WeggNMLS 2713037

    Loan Factory · licensed in 2 states

    • DSCR loan
    • FHA loan
    • First-time buyer
    • Jumbo loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  15. 15

    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 VA (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Saran MandhadapuNMLS 2417126

    Loan Factory · licensed in 10 states

    • DSCR loan
    • Real estate investor
    • Non-QM loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Ken ByrneNMLS 187129

    ALCOVA Mortgage · Chantilly, VA · licensed in 7 states

    • DSCR loan
    • Bank statement loan
    • FHA loan
    • First-time buyer
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • 1 years licensed
  18. 18

    Jeri ShoopNMLS 224331

    Xpert Home Lending · licensed in 4 states

    • DSCR loan
    • Self-employed
    • VA loan
    • Asset-based qualifying
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  19. 19

    Robert BatesNMLS 191832

    ALCOVA Mortgage · Hardy, VA

    • DSCR loan
    • Bank statement loan
    • FHA loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  20. 20

    Diana SampleNMLS 265398

    ALCOVA Mortgage · Harrisonburg, VA

    • DSCR loan
    • Bank statement loan
    • FHA loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • Branch in Virginia
    • No disciplinary actions on file at LenDb
  21. 21

    Eimile LeathersNMLS 1147362

    Loan Factory · licensed in 2 states

    • DSCR loan
    • Real estate investor
    • First-time buyer
    • Construction loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 14 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  22. 22

    Steve AndersonNMLS 1096829

    Lit Financial Corporation · licensed in 12 states

    • DSCR loan
    • Bank statement loan
    • HELOC
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 11 years licensed
    • No disciplinary actions on file at LenDb
  23. 23

    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 VA (listed on lender page, verified 2026-10-09)
    • 6 years licensed
    • No disciplinary actions on file at LenDb
  24. 24

    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 VA (listed on lender page, verified 2026-10-09)
    • 7 years licensed
    • No disciplinary actions on file at LenDb
  25. 25

    Lekh SharmaNMLS 2503420

    Guild Mortgage · High Point, NC · licensed in 4 states

    • DSCR loan
    • First-time buyer
    • Asset-based qualifying
    • Bank statement loan
    • Lists DSCR loan on lender page (lender page, verified 2026-10-09)
    • Licensed in VA (listed on lender page, verified 2026-10-09)
    • 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 VA 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=VA. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.