Our team
The advisors, analysts, and reviewers behind DSCR Authority.
Advisors and reviewers

Scott Dillingham
Scott Dillingham is the founder of LendCity Mortgages and DSCR Authority, a Licensed Mortgage Agent Level 2 helping real estate investors finance rental properties across the US and Canada.

Chris Micucci
Chris Micucci is a Senior DSCR Advisor at DSCR Authority with over a decade in non-QM and investment property lending.

David Cardozo
David Cardozo is a DSCR Loan Specialist at DSCR Authority focused on portfolio investors, LLC structuring, and complex multi-property scenarios.

Josh Bauerle
Josh Bauerle, CPA, advises on tax strategy for real estate investors using DSCR loans — entity structure, depreciation, cost segregation, and 1031 exchange coordination.