Crestmark Lending for Real Estate Investors

A DSCR ratio as low as 0.75 is on the table here, which tells you a lot about who Crestmark Lending for Real Estate Investors is built for before you read another line. Crestmark Lending for Real Estate Investors works one corner of the mortgage world and stays in it: financing rental property purchases and refinances judged by what the property earns instead of what the borrower personally makes. No tax returns, no W-2s, no pay stubs. If you are an investor whose paper income looks modest next to your rental cash flow, that distinction is the whole reason a broker like this exists.

DSCR loans for rental property investors

Crestmark Lending for Real Estate Investors is a mortgage broker out of Southlake, Texas, carrying NMLS #2789535, and the site never pretends to be a full-service bank dabbling in everything. DSCR is the entire menu. That focus shows up in the loan list: purchase loans running past $2M, cash-out refinances up to 80 percent loan-to-value, jumbo DSCR products, and financing for multifamily buildings in the two-to-eight-unit range and beyond. Renovation and rehab money is part of the offering too, which is a real advantage for investors who buy distressed and need capital for the work, not the acquisition alone. Pulling all of those under one roof means an investor running several different deal types does not have to scatter applications across a handful of lenders, each with its own paperwork and its own underwriting quirks.

Loan products and property types

Structure-wise, you get the two options most rental investors reach for: a 30-year fixed for people who want to set it and forget it, and interest-only for those squeezing monthly cash flow. Closings in an LLC or other entity are supported, which is not a minor detail. Plenty of investors hold property inside an entity for liability and tax reasons, and a lender that balks at entity closings becomes useless to them fast. Crestmark Lending for Real Estate Investors clears that bar without making a fuss about it.

Loan terms and entity closings

Geography is broader than the Texas address would suggest. Crestmark Lending for Real Estate Investors is licensed in Texas, Oklahoma, Colorado, Arkansas, Louisiana, and Florida, plus more than 35 other states, so this is a genuinely national operation funneled through one specialty. For an investor buying out of state, which is half the DSCR crowd these days, that reach is the difference between a usable lender and a regional one you have to leave behind the moment you cross a line on the map.

Licensed across 40 states

A lender that puts names and license numbers on the people doing the work is easier to trust than one hiding behind a generic team page, and Crestmark Lending for Real Estate Investors does exactly that. Brett Dempsey is listed as Branch Manager under NMLS #2014728, alongside Glen Dicken (NMLS #313548) and Mark Dusza (NMLS #860825). Anyone can run those numbers through the NMLS consumer database and confirm the licenses are current and in good standing. Naming the individuals is a mark of accountability that a fair number of brokers skip.

Named loan officers with NMLS numbers

The qualification logic deserves a plain restatement. Debt Service Coverage Ratio measures whether a property's rental income covers its mortgage payment. A ratio of 1.0 means rent exactly matches the debt; above that, the property carries itself with room to spare. By accepting ratios down to 0.75, Crestmark Lending for Real Estate Investors is willing to fund deals where the rent does not fully cover the note yet, which is aggressive and worth understanding fully before you proceed. That kind of loan can work if you have other income or a value-add plan, and it can bite if the numbers stay underwater. The lender extends the rope; the borrower decides how to use it.

How DSCR qualification works

On the tools side, the site is more than a contact form bolted to a logo. Crestmark Lending for Real Estate Investors puts a DSCR calculator front and center: punch in rent and the projected payment, see roughly where you land before talking to anyone. Rate quote and pre-qualification forms are there, along with loan guidelines, an FAQ, and an investor education blog. A broker that publishes its parameters openly is easier to evaluate than one that makes you call to learn the basics, and for a product as specific as DSCR, having the rules in writing saves everyone a few wasted conversations.

Online tools for rate quotes and education

Reaching the brokerage takes no digging. Two phone numbers appear on the home page of Crestmark Lending for Real Estate Investors, (866) 655-8060 and (855) 314-8080, the Southlake address is published, and a contact page handles inquiries. A first-time visitor can find a way to call within seconds, which is the normal posture for a brokerage that runs on volume and referrals.

The one honest gap is outside validation. A search for crestmarklending.com specifically turned up no notable third-party reviews. There is a complication worth flagging: results do surface for "Crestmark Mortgage Company, Ltd.," a separate Texas lender with a confusingly similar name, and those reviews belong to that other company, not this one. So if you go hunting for star ratings, double-check that whatever you find actually points at crestmarklending.com and its NMLS number. No public review trail is not automatically damaging. DSCR brokerage is a niche business where deals come through referrals, and a younger or specialized operation can be perfectly legitimate without a stack of ratings. But it does mean the credibility verifiable from the outside rests on the licensing and the site's transparency, with no crowd of past customers available to vouch for the experience.

Weighed together, the picture is coherent. Crestmark Lending for Real Estate Investors does one thing, says clearly how it does it, names the licensed people behind it, and makes itself easy to call. The published guidelines, the working calculator, and the entity-closing support all point to a brokerage that understands the actual mechanics of investor lending instead of treating DSCR as a checkbox on a longer menu. That specialization is the strongest argument Crestmark Lending for Real Estate Investors has in its favor, because a borrower wants the person on the other end of the line to know this product cold. The missing public review history is the main thing keeping a fuller endorsement out of reach, and the name overlap with that other Texas lender is a genuine source of confusion a careful borrower needs to navigate.

An investor who knows what a DSCR loan is and wants a specialist licensed across a wide swath of the country will find Crestmark Lending for Real Estate Investors a reasonable name to put on the shortlist alongside competing quotes. The cash-flow-based qualification, the 0.75 floor, the interest-only option, and the multifamily and rehab programs cover most of what a serious buy-and-hold or value-add investor needs. What it cannot offer yet is a long public track record. A tightly focused, properly licensed broker without a stack of public ratings to point to is a reasonable starting position, not a disqualifying one, and the published evidence here is enough to place a first call.