David Deems

Meet Your DSCR Mortgage Officer: David Deems

• Loan Volume Closed: $105 million+
• Deals Funded: 400+
• Years in the Industry: Four years
• DSCR Loan Focus: Short-term rentals, long-term rentals and strategic guidance with underwriting insight
• Markets Served: Arizona, California, Florida, Georgia, Nevada, New Jersey, New York, North Carolina and South Carolina
• Personal Interests: Hiking, biking, kayaking, fantasy football and home landscaping

What It’s Like to Work With David

David combines mortgage lending expertise with an extensive understanding of risk and underwriting. After nearly a decade in property and casualty insurance, he shifted to investment property lending and has since helped finance over 400 DSCR loans. Known for his diligence, proactive communication and creative problem-solving, David is a trusted partner to brokers and investors nationwide.

He takes pride in understanding the details that matter. One of his most memorable deals involved helping an investor close on a condo despite an ongoing HOA lawsuit. By proactively contacting the HOA president and verifying insurance coverage, David secured the clarity underwriting needed and helped his client close.

David specializes in guiding investors of all levels through the loan process. He starts by asking the right questions, learning each client’s strategy, goals and experience level, and then matches them with a loan structure that fits.

Whether you’re purchasing your first STR or expanding your rental portfolio, David emphasizes clear communication, dependable support and treating each deal with the same care he’d want for his own. His goal is simple: help clients achieve true financial freedom, where a W2 job is optional, and not a necessity.