Cardinal Financial - David Ross
NMLS #66247
32 forum posts
- Conventional & Gov.
- Hard/Private/Non-QM
- Conventional Loan
- Conventional Rental Loan
- DSCR (long-term rental)
- +4 more
I don't just send investors an interest rate and a loan quote. My custom Loan Advisor presentation is part education, part transparency, helping you compare financing options side by side and understand the numbers before making a decision. I walk you through down payment options, interest rates, closing costs, monthly payments, and how the overall cost of a loan can change with different financing structures. It's a visual, easy-to-follow presentation where we can review actual scenarios, answer questions, and identify the financing options that make the most sense for your goals. With over 24 years of mortgage lending experience, I take a hands-on approach to helping investors understand their financing options and navigate the lending process with confidence. Whether you're purchasing your first investment property, expanding your portfolio, refinancing, or accessing equity, I bring the experience and resources to help you achieve your financing goals. My team and I have earned national recognition, including multiple Top 1% Loan Originator honors from Mortgage Executive Magazine and Scotsman Guide. I work directly with my clients, supported by an experienced team that helps keep the lending process running smoothly from application through closing. We combine competitive financing, personalized service, and experienced guidance to deliver consistent results. We provide financing nationwide, specializing in Conventional, DSCR, FHA, VA, refinance, and cash-out loans. I aim to be more than just a lender for one transaction. My goal is to build lasting relationships and become a trusted lending resource you can turn to as your real estate investments grow. If you're considering a property or evaluating financing options, I'd welcome the opportunity to walk you through the numbers and show you what we can offer. **Important DSCR Loan Requirements:** Minimum loan amount is $150,000 for financing up to 80% loan-to-value (LTV). Loan amounts between $100,000 and $149,999 are limited to 70% LTV or lower (at least 30% down payment or equity). DSCR loans below $100,000 are not available.