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Borrower situations · South Dakota

Loan officers for real estate investors in South Dakota

As of 2026-10-09, LenDb lists 21 loan officers licensed in or based in South Dakota whose lender pages show Real estate investor work. The top-ranked are Chuck Butterfield (Churchill Mortgage), Adam Workman (CrossCountry Mortgage, Charlotte) and Oleg Tkach (NFM Lending, Lynnwood). Ranking is lender-neutral: specialty evidence first, then a license in SD, 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 21

  1. 1

    Chuck ButterfieldNMLS 176620

    Churchill Mortgage · licensed in 20 states

    • Real estate investor
    • First-time buyer
    • FHA loan
    • USDA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 22 years experience (stated on lender page, 2026-10-09)
    • No disciplinary actions on file at LenDb
  2. 2

    Adam WorkmanNMLS 128183

    CrossCountry Mortgage · Charlotte, NC · licensed in 42 states

    • Real estate investor
    • First-time buyer
    • VA loan
    • FHA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  3. 3

    Oleg TkachNMLS 90937

    NFM Lending · Lynnwood, WA · licensed in 24 states

    • Real estate investor
    • FHA loan
    • USDA loan
    • VA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  4. 4

    Domonique GrayNMLS 900558

    Churchill Mortgage · Brentwood, TN · licensed in 31 states

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

    Bridget IscheNMLS 480187

    Guild Mortgage · Prior Lake, MN · licensed in 7 states

    • Real estate investor
    • First-time buyer
    • Vacation home
    • Down payment assistance
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  6. 6

    Molly Barndt, MBA, CSCPNMLS 2236749

    CrossCountry Mortgage · Chicago, IL · licensed in 29 states

    • Real estate investor
    • Physician and medical professional
    • Jumbo loan
    • Non-QM loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  7. 7

    Josh SurverNMLS 2459945

    Xpert Home Lending · licensed in 26 states

    • Real estate investor
    • VA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  8. 8

    Michael MurgatroyNMLS 60099

    CrossCountry Mortgage · Delray Beach, FL · licensed in 49 states

    • Real estate investor
    • Jumbo loan
    • VA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 15 years licensed
    • No disciplinary actions on file at LenDb
  9. 9

    Joey MoreaNMLS 1978552

    Barrett Financial Group · Chandler, AZ · licensed in 28 states

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

    Josh OsborneNMLS 473258

    CrossCountry Mortgage · Sioux Falls, SD · licensed in 14 states

    • Real estate investor
    • Non-QM loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • Branch in South Dakota
    • 5 years licensed
  11. 11

    Michelle BobartNMLS 137164

    CrossCountry Mortgage · Chicago, IL · licensed in 50 states

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

    Jordan HeatherlyNMLS 1312244

    Churchill Mortgage · Brentwood, TN · licensed in 13 states

    • Real estate investor
    • FHA loan
    • Non-QM loan
    • Self-employed
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 5 years licensed
    • No disciplinary actions on file at LenDb
  13. 13

    Devin FahrnerNMLS 399405

    American Pacific Mortgage · Eagle, ID · licensed in 17 states

    • Real estate investor
    • VA loan
    • FHA loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 1 years licensed
    • No disciplinary actions on file at LenDb
  14. 14

    Coley RauNMLS 256481

    CrossCountry Mortgage · Bryan, OH · licensed in 26 states

    • Real estate investor
    • Down payment assistance
    • Jumbo loan
    • USDA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 9 years licensed
    • No disciplinary actions on file at LenDb
  15. 15

    Shawn DurantNMLS 221971

    American Pacific Mortgage · Roseville, CA · licensed in 45 states

    • Real estate investor
    • FHA loan
    • First-time buyer
    • Renovation loan (203k / HomeStyle)
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 2 years licensed
    • No disciplinary actions on file at LenDb
  16. 16

    Jerry SundtNMLS 168111

    CrossCountry Mortgage · Tucson, AZ · licensed in 36 states

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  17. 17

    Kelly CortNMLS 448152

    Guild Mortgage · Santa Rosa, CA · licensed in 50 states

    • Real estate investor
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 4 years licensed
    • No disciplinary actions on file at LenDb
  18. 18

    Jeffrey AronheimNMLS 235233

    CrossCountry Mortgage · Greenwood Village, CO · licensed in 33 states

    • Real estate investor
    • Construction loan
    • Non-QM loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  19. 19

    Matt RipleyNMLS 17006

    CrossCountry Mortgage · Bloomington, MN · licensed in 8 states

    • Real estate investor
    • Jumbo loan
    • Non-QM loan
    • VA loan
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • 3 years licensed
    • No disciplinary actions on file at LenDb
  20. 20

    Josh EyresNMLS 1601367

    Fairway Independent Mortgage Corporation · Cheyenne, WY · licensed in 8 states

    • Real estate investor
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb
  21. 21

    Gayle McCarthyNMLS 225960

    American Pacific Mortgage · Tehachapi, CA · licensed in 12 states

    • Real estate investor
    • First-time buyer
    • Lists Real estate investor on lender page (lender page, verified 2026-10-09)
    • Licensed in SD (listed on lender page, verified 2026-10-09)
    • No disciplinary actions on file at LenDb

Before you choose

Agency limits on financed properties, reserves and rental income treatment push experienced investors toward specialized lenders.

  • How many financed properties can I have with your programs?
  • Can I close in an LLC?
  • Do you offer DSCR or portfolio loans if I hit agency limits?

More about Real estate investor

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 SD 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=investor&state=SD. Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access.