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

# DSCR loan officers in Wyoming

As of 2026-10-09, LenDb lists 3 loan officers licensed in or based in Wyoming whose lender pages show DSCR loan work. The top-ranked are Karen Nielson (Guild Mortgage, Logan), Denise Cuddeback Montgomery (American Pacific Mortgage, Eugene) and Michelle Krusmark (Xpert Home Lending). Ranking is lender-neutral: specialty evidence first, then a license in WY, branch location, experience and profile completeness. Nobody pays for placement.

## Ranked, with reasons

1. **[Karen Nielson](https://lendb.ai/lo/karen-nielson-80226)** (NMLS 80226), Guild Mortgage, Logan, UT
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Licensed in WY (listed on lender page, verified 2026-10-09)
   - 3 years licensed
   - No disciplinary actions on file at LenDb
2. **[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)
   - Licensed in WY (listed on lender page, verified 2026-10-09)
   - 3 years licensed
   - No disciplinary actions on file at LenDb
3. **[Michelle Krusmark](https://lendb.ai/lo/michelle-krusmark-2717683)** (NMLS 2717683), Xpert Home Lending
   - Lists DSCR loan on lender page (lender page, verified 2026-10-09)
   - Licensed in WY (listed on lender page, verified 2026-10-09)
   - 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/wyoming.

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