Chris Lederer
Production Manager
NMLS #2004549
Glen Dicken
Sr. Loan Officer
NMLS# 313548
Jen Papaelias
Sr. Loan Officer
NMLS# 2692859
Brett Dempsey
Branch Manager
NMLS #2014728
Allen Lundberg
Sr. Loan Officer
NMLS #277507
Qualify with property cash flow, not personal income. Fast closings. Competitive rates. Investor-focused programs.
No Income • LLC Eligible • Fast Closings
At Crestmark Lending, DSCR loans are what we do best. We work exclusively with real estate investors throughout Louisiana, structuring financing around a property’s rental income—not personal income, tax returns, or traditional DTI ratios. Our streamlined approach delivers the speed, flexibility, and transparency investors need to grow their portfolios with confidence.
Unlike traditional lenders, Crestmark focuses solely on DSCR financing for investors. We offer flexible underwriting, minimal documentation, and fast, predictable approvals for both purchases and refinances—so you can move quickly when opportunities arise.
Built Exclusively for Real Estate Investors
Crestmark Lending is a DSCR-focused mortgage broker serving real estate investors throughout Louisiana. We provide faster approvals, streamlined underwriting, and access to a broad network of national DSCR lenders.
Our team understands investment property financing and delivers the pricing, flexibility, and speed investors need to grow and scale their rental property portfolios.
Designed for long-term rentals with 1–4 units and small multifamily income producing properties
Refinance your property to reduce payments and access equity for future investments
Flexible DSCR loan programs for multi-family properties—low rates, LTVs, and favorable terms
LLC-owned investment properties, qualified by rental cash flow and performance
DSCR financing for rental property upgrades, rehab projects and renovations
New construction loans for build-to-rent financing with long-term DSCR takeout options
High-balance financing for larger rentals and experienced portfolio investors
Whether you’re just getting started or expanding a portfolio, our DSCR financing delivers speed, flexibility, and real-estate investor-friendly underwriting.
Crestmark Lending brings together experienced DSCR loan specialists who deliver fast approvals and flexible, investor-focused financing. If you’re looking for a Louisiana lender that truly understands DSCR loans, you’re in the right place.
Production Manager
NMLS #2004549
Sr. Loan Officer
NMLS# 313548
Sr. Loan Officer
NMLS# 2692859
Branch Manager
NMLS #2014728
Sr. Loan Officer
NMLS #277507
Crestmark Lending partners with more than 20 DSCR lenders to deliver competitive pricing, flexible guidelines, and loan programs aligned with your investment strategy.
Real estate investors across Louisiana rely on our team for fast closings, dependable communication, and investor-focused service.
Our goal is to close every loan in 21 days or less by offering a streamlined process
Lower rates- we compare over 20 lenders across multiple wholesale DSCR programs
More flexible underwriting tailored to unique property types and investor profiles, providing stronger approval odds for complex scenarios.
A DSCR loan is an investor-focused mortgage that qualifies borrowers based on a property’s rental income rather than personal income or tax returns. In Louisiana, lenders compare rental income to the monthly housing payment (PITIA) to calculate the Debt Service Coverage Ratio—when the income covers the payment, the property may qualify.
Most DSCR lenders look for a minimum credit score of around 660 and a DSCR ratio of 1.00 or higher, which indicates that the property’s rental income is sufficient to cover the monthly housing payment. That said, some DSCR programs offer flexibility and may allow lower DSCR ratios—even below 1.00—when supported by compensating factors such as stronger borrower credit, additional cash reserves, or adjusted pricing.
Yes. DSCR loans are specifically designed for real estate investors and can be closed in an LLC, corporation, or other business entity. For investment properties in Louisiana, this structure allows investors to separate personal liability from their rental portfolio, maintain cleaner financial records, and efficiently manage multiple properties under a single entity while qualifying based on rental income rather than personal income documentation.