David Cardozo

David Cardozo joined DSCR Authority after spending six years at a regional real estate investment firm where he was responsible for acquisition financing on a 40-property rental portfolio. That experience gave David an investor's perspective on DSCR lending — he has been on the borrower side of dozens of DSCR transactions, which shapes how he advises clients today.

At DSCR Authority, David specializes in portfolio investors — borrowers who already have five or more financed properties and need to navigate lender overlays that don't appear in any marketing material. He is particularly skilled in entity vesting strategy, helping clients decide between single-member LLCs, series LLCs, and holding company structures depending on their state, lender preference, and long-term portfolio goals.

David manages the BRRRR-specific advisory track at DSCR Authority, including the refinance timing optimizer tool. He works closely with clients who have properties in late-stage rehab to ensure they hit the seasoning and stabilization thresholds required before a DSCR refi. He has saved multiple clients from costly pipeline failures by catching lender-specific seasoning requirements that aren't publicly disclosed.

Beyond portfolio strategy, David handles a high volume of 2-4 unit multifamily inquiries, where the income calculation from a 1025 form often differs materially from a borrower's Airbnb projections. He runs the weekly lender rate sheet verification process to ensure DSCR Authority's published tables stay within 0.25% of live pricing.