DSCR Loan Officer
About Lineage
Lineage is the platform for rental property investors. We coordinate acquisition, lending, insurance, and property management into a single transaction so investors can buy rental property as simply as they buy stocks. Our mission is to open real estate investing to everyone. The founding team has completed $1.5B+ in transactions and served 6,000+ investors. The platform is new. The experience behind it is not. We're seed-stage with product-market fit. The hardest problems are ahead. We hire fewer, more experienced people and let AI multiply their output. Every hire changes what the company becomes.
Role
We're building out lending at Lineage, and this is our first dedicated loan officer. Investors come to us to buy rental property, and many finance it with us in the same transaction. Your job is to make that loan as easy as the rest of the purchase: clear, fast, and worth choosing. This is not a sales job. There's no prospecting and no book to build. The lead is already a Lineage buyer, already in a deal. Your work starts there and ends at funding. It's all DSCR: no conventional, no FHA, nothing else to keep straight. We're rebuilding how our loans get done this year: a new loan platform with fewer handoffs and a faster close. You'll help design the process you'll then run. If you've spent years working inside someone else's lending system and wished you could fix it, this is that chance. We move quickly with little process overhead. Writing is how we think, so you need to write well. You'll join a small, distributed team and report to Jenni Ellis, Director of Lineage Financial Services. The role is remote.
What you'll own
Write DSCR loans end to end. Take the application, structure the loan, and walk borrowers through the 30-year fixed options (full amortization and 10-year interest-only) and their pricing. Qualify the borrower. All of our properties qualify for DSCR, so your job is the borrower side: assets, reserves, credit, LLC vesting. Files reach processing clean and close inside 30 days. Own the rate and product conversation and set expectations early, so terms don't get renegotiated late and wreck the timeline. Earn the financing. Many investors could pay cash or borrow elsewhere. They choose Lineage when the process is better. Your job is to make it better, loan after loan — never to pressure anyone. Hand a clean file to processing and stay the borrower's point of contact through funding and the first months of ownership. Our default rate is zero. Keep it there.
What we're looking for
We hire for optimism, agency, and rigor. Self-awareness is the single best predictor of growth, and we hire for it in every role. Specific to this role: You've originated DSCR, non-QM, or other business-purpose investment-property loans, and you can explain how DSCR underwriting differs from a conventional, income-qualified mortgage. You're fluent in cash flow. Give you rent and expenses (PITIA, management, and HOA) and you can tell a borrower in plain English whether the property pencils. You like talking to investors and can hold a rate and product conversation without hiding behind jargon. You're careful with numbers and compliance. You double-check every figure you quote, because a wrong number on a loan file is a real problem. You'll stand out if you have
How we work
A few things that matter most here. The full operating manual lives at lineagehq.com/about. The best seat in the room is between two people smarter than you. Everyone should leave every conversation having learned something. Everyone counts. Your work isn't done at the handoff. When your work is strong, the person next to you moves faster. Nobody cares whose fault it was. When something breaks, we work the problem, not the blame.
Compensation
This is a salaried lending role, not a commissioned one. The leads are provided, so the pay is steady. No famine years. Base salary: $100,000 to $115,000 Annual quality bonus: Target 10-15% of base, based on a portfolio scorecard: on-time closings, default performance, borrower experience. Equity: Ownership through our employee equity program. The upside in this role is ownership, not commission. PTO: ~28 days per year plus sick leave. Benefits: 75% paid medical, vision, dental for you and your dependents. Remote-first: Distributed team across the US working business hours