DSCR Loan Specialist

DSCR Loan Specialist Professional Summary We are seeking a results-oriented DSCR Loan Specialist with substantial experience structuring investor-focused real estate financing solutions within the Private Money and Non-QM lending space. The ideal candidate will demonstrate deep expertise in Debt Service Coverage Ratio (DSCR) underwriting, non-QM loan products, short-term rental income analysis, and portfolio expansion strategies. This individual will play a critical role in launching DSCR as a new product line within our loan servicing platform. Responsibilities will include leading the development of DSCR underwriting processes and procedural workflows, contributing to the buildout of the loan servicing application from an operational perspective, and establishing scalable infrastructure for long-term growth. The candidate will also be responsible for recruiting and managing a small team to support and operate the DSCR department. The ideal applicant will possess strong knowledge of investor lending guidelines, property cash flow modeling, asset-based qualification methodologies, and compliance-focused risk management practices. A proven ability to guide DSCR transactions from structuring through servicing while maintaining regulatory and credit standards is essential. Core Competencies DSCR Loan Structuring Non-QM Lending Real Estate Investor Financing Short-Term Rental Income Analysis (Airbnb/VRBO) Portfolio Loan Analysis Cash-Flow Underwriting Debt Service Coverage Ratio Calculations Investor Client Relationship Management Loan Processing & Compliance Coordination Secondary Market & Wholesale Lending Structured and originated DSCR loans for single-family, multi-family, and short-term rental properties Analyzed rental income and calculated DSCR ratios for investor qualification Coordinated with underwriting to ensure accurate property cash-flow assessment Delivered tailored financing strategies for portfolio expansion Maintained investor relationships and repeat business pipeline Managed loans from application to clear-to-close $150M + in annual loan volume Repeat investor client rate from sales Technical Skills DSCR Calculation Models Rental Market Analysis Income & Asset Documentation Review Loan Origination Systems CRM & Pipeline Management Microsoft Excel & Cash Flow Modeling Education Bachelor's Degree in Finance, Business, Real Estate, or related field (if applicable)

Client Focus Real Estate Investors Fix-and-Flip Operators Buy-and-Hold Investors Short-Term Rental Investors Portfolio Builders Pay:

$70,000.00 - $85,000.00 per year

Benefits:

401(k) 401(k) matching Dental insurance Flexible spending account Health insurance Life insurance Paid time off Vision insurance

Work Location:

In person