Gillian Irving

Gillian Irving is a Chartered Financial Analyst with a background in fixed-income securities and structured finance. She spent eight years as a research analyst at an asset management firm covering non-agency mortgage-backed securities before transitioning to editorial and financial content work. Her experience analyzing non-QM loan pools from the investor side gives her a granular understanding of how DSCR underwriting criteria are priced into the secondary market — and why lender pricing behavior often diverges from what borrowers expect.

At DSCR Authority, Gillian reviews all quantitative content before publication. Her scope includes the DSCR rate tables (she validates methodology and ensures rates are within observable market ranges), the calculator suite (she audits formula logic and edge-case outputs), and investment analysis articles that make specific return projections. Her CFA training and structured-finance background make her particularly well-suited to scrutinize cash-on-cash return projections, cap rate analysis, and debt yield calculations that sometimes circulate with flawed assumptions.

Gillian also authors the monthly DSCR rate commentary, providing context on how 10-year Treasury movements and non-agency MBS spreads translate to borrower pricing — filling a gap that most DSCR content treats superficially. She is the primary author of DSCR Authority's editorial standards policy, which governs how we disclose data sourcing, uncertainty, and correction procedures.

When she's not reviewing content, Gillian mentors early-career finance professionals through the CFA Institute's mentorship program.