DSCR Loans in Amarillo, TX: Qualify a Potter or Randall County Rental on Its Rent

Reviewed by David Ghazaryan, Mortgage Broker, NMLS 1486726 · iQRATE Mortgages, NMLS 1862492 · Licensed in Nevada, California, Texas and Florida · Last updated: November 10, 2026.

A DSCR loan is a mortgage for an Amarillo investment property that qualifies on the rent, not on your tax returns. The lender divides monthly rent by the full monthly payment, often called PITIA, which includes principal, interest, property tax, insurance, and HOA dues. iQRATE Mortgages (NMLS 1862492) is a Texas-licensed mortgage broker. We help investors compare DSCR programs for rentals in Potter County, Randall County, Canyon, and nearby Panhandle towns.

Apply now or book a call at (702) 766-3744.

5.0 stars from 89 reviews on Experience.com (November 2026). These reviews are not specific to Amarillo. Read David's reviews on Experience.com.

This page is part of our Texas mortgage broker coverage and sits beside our Amarillo mortgage broker page. We are licensed in Texas under company NMLS 1862492. We work Amarillo files from our Las Vegas office and close with local escrow and title. For the national program rules, see our DSCR loan guide and our investor loan overview.

Amarillo DSCR loan facts at a glance

Loan programs change, and each lender sets its own overlays. This table is a starting guide, not a commitment to lend.

What a DSCR loan is, and how the ratio works

DSCR means debt service coverage ratio. It is a simple comparison of income from the property with the cost of owning it. Most lenders add the rent from each unit, then divide that total by the proposed monthly payment. The payment includes principal and interest, monthly property tax, landlord insurance, flood insurance if the property needs it, HOA dues, and special assessments, including any MUD or PID charges.

A ratio of 1.00 means the counted rent covers the payment exactly. A ratio above 1.00 means the rent leaves a cushion. A ratio below 1.00 means the rent does not cover the payment on its own. Some programs will still review a file below 1.00 when the equity, reserves, and credit are strong. Others will not. That is a lender rule, not a promise we can make in advance.

This is business-purpose credit on a rental you will not occupy. Regulation Z limits prepayment penalties on most consumer mortgages. Credit extended primarily for a business purpose, such as a loan on a non-owner-occupied rental, is treated differently. That is also why a DSCR loan is not available on a home you or a family member will live in. If you want to occupy the property, we look at owner-occupied programs instead, including the options on our Amarillo mortgage broker page.

Lenders still review credit, assets, reserves, and the appraisal. They also review title, insurance, and, on a condo, the project. The difference is that your W-2s, tax returns, and personal debt-to-income ratio are not the main qualifying test. That helps many self-employed investors, ranch operators, and landlords whose returns show depreciation or other write-offs that do not match cash flow.

Why the county line matters on an Amarillo rental

Amarillo straddles Potter County on the north and Randall County on the south. The Potter-Randall Appraisal District appraises property in both counties, but the tax bill is not the same on both sides of the line. County rates differ. Most north and central homes are in Amarillo ISD. Many south and southwest homes, and homes in Canyon, are in Canyon ISD. Each school district sets its own rate. A house a mile away can have a different payment, and a different DSCR, for that reason alone.

The Texas Comptroller states that Texas has no state property tax. Local taxing units set rates and collect the tax. The Comptroller also publishes a statewide list of tax rates each year, with 2025 city, county, school, and special-district files. We do not copy a single rate onto this page, because a parcel's total is the sum of several units, and the figures change. The current tax bill, or a quote from the county collector, is what we put in the ratio.

For a labeled 2025 example only, not as "the Amarillo rate," here is one stack on the Randall County side of the city. The City of Amarillo's FY 2025/26 rate, adopted on September 18, 2025, is $0.43070 per $100. Randall County's 2025 Truth-in-Taxation summary lists Randall County at 0.40099, Amarillo ISD at 0.87120, Amarillo Junior College at 0.21994, and High Plains Water District at 0.00295, all per $100 of taxable value. That stack totals 1.92578 per $100. On a $200,000 taxable value, the annual bill would be $3,851.56, or about $321 a month, before any other units that apply to the parcel.

On the Potter County side, the Commissioners Court order of September 22, 2025, adopted a total county rate of $0.59024 per $100, which is maintenance and operations of 0.54946 plus debt of 0.04078. Combined with the same city, Amarillo ISD, junior college, and water-district rates, the stack is 2.11503 per $100. On a $200,000 taxable value, that is $4,230.06 a year, or about $353 a month. Other school districts apply in parts of the market, including Canyon ISD at 0.92720 and Bushland ISD at 1.01165 per $100. Use the bill for the actual parcel.

The city's September 18, 2025 release also said the new budget raises property-tax revenue 11.77%. It estimated an $11 monthly increase in the city's portion for an average household. The Potter County order also states the total rate will effectively be raised by 4.5678%. It estimates that increase at about $24.73 in maintenance and operations tax on a $100,000 home. That official example is a county M&O illustration, not the full bill on a rental.

Apply that labeled Randall-side stack to the city's median owner-occupied value of $196,900. The annual bill would be $3,791.86, or about $316 a month, before other units. On the Potter-side stack, that same $196,900 value would be $4,164.49 a year. That is about $347 a month, before any other units on the parcel. At the labeled Potter-side stack, a $147,300 taxable value would be $3,115.44 a year. That is about $260 a month, before any other units that apply. At the labeled Randall-side stack, a $238,800 taxable value would be $4,598.76 a year. That is about $383 a month, before any other units on the parcel.

The same Randall County summary lists the City of Canyon's 2025 rate at $0.51181 per $100. Use that city rate only when the parcel is actually in Canyon, not Amarillo. Canyon ISD's 2025 rate is 0.92720 per $100, compared with Amarillo ISD at 0.87120. On a $200,000 taxable value, that school-tax line alone differs by $112 a year.

This matters even more on a DSCR purchase than on a refinance. The seller's last bill is a starting clue, not the final number, if value has changed or if a homestead exemption is coming off the property. A rental does not qualify as the buyer's residence homestead, so homestead relief that lowered the seller's school-tax line will not follow the property into your file.

Homestead exemptions do not apply to a typical DSCR rental

Texas provides meaningful tax relief on a residence homestead, and it is easy to mix those rules into an investor payment by mistake. The Comptroller's property tax exemptions page states that Tax Code Section 11.13(b) requires school districts to provide a $140,000 exemption on a residence homestead. Other local-option and age-65 or disabled exemptions can also apply, but only when the home is a principal residence and the owner applies.

The 10% appraisal cap works the same way. Under Tax Code Section 23.23, as explained on the Comptroller's appraisal and tax limitations page, the cap applies to a property that receives a residence homestead exemption. It does not cap the appraised value of a typical investment rental. If you buy a home that was the seller's homestead, the cap can come off, and the tax line used in your DSCR can be higher than the seller's last bill. We budget for that instead of copying the homestead payment into the calculator.

Section 50(a)(6) of the Texas Constitution also limits cash-out refinancing on a homestead. A non-owner-occupied rental is not a homestead, so that cash-out cap is not the rule that governs a DSCR refinance. The limits that do apply are the lender's loan-to-value cap, the DSCR minimum, reserve rules, and title seasoning. Those are program overlays, and they vary. We will tell you the actual caps on the program we recommend.

2026 loan limits in Potter and Randall Counties

The Federal Housing Finance Agency sets the 2026 conforming loan limit for a one-unit home in both Potter County and Randall County at the baseline of $832,750. The two-unit, three-unit, and four-unit limits are $1,066,250, $1,288,800, and $1,601,750. Those figures come from FHFA's 2026 county loan-limit list. A DSCR loan at or below the matching unit-count limit can often be placed with a lender that follows a conforming-size investor program. A larger loan is a jumbo DSCR file, and the overlays are usually tighter.

HUD's 2026 forward limits file lists a one-unit FHA limit of $541,287 in both counties, with two- to four-unit limits of $693,050, $837,700, and $1,041,125. FHA is a useful comparison because many Panhandle purchases still fit that ceiling. It is not a DSCR limit, and FHA is generally an owner-occupied program. If the loan amount is above the conforming cap, we treat it as jumbo DSCR work, not as an FHA file.

Unit count matters as much as price. A duplex, triplex, or fourplex uses the matching FHFA cap, and the rent from every unit goes into the ratio. Some DSCR lenders stop at four units. Larger buildings need a different program. Do not assume a five-unit building can use the same one-to-four-unit DSCR menu.

HUD's FY2026 Fair Market Rent schedule covers the Amarillo, TX HMFA, which includes Armstrong, Carson, Potter, and Randall Counties. The monthly FMRs are $778 for a studio, $903 for a one-bedroom, and $1,106 for a two-bedroom. They are $1,503 for a three-bedroom and $1,742 for a four-bedroom. Those are area rents used in federal programs. They are not a promise of what your unit will rent for. A DSCR lender will still use the lease or the appraiser's market rent.

Census Bureau QuickFacts, using the 2020–2024 American Community Survey, reports a median gross rent of $1,092 in Amarillo, $1,022 in Potter County, and $1,170 in Randall County. The same table shows a median owner-occupied value of $196,900 in the city, $147,300 in Potter County, and $238,800 in Randall County. The Bureau's July 1, 2025 population estimates are 205,130 for Amarillo, 114,453 for Potter County, and 152,351 for Randall County. The same QuickFacts table lists median household income of $65,912 in the city. It is $53,249 in Potter County and $83,864 in Randall County. Owner-occupied housing is 59.7% of units in Amarillo, 57.3% in Potter County, and 67.9% in Randall County. That means a large share of homes, especially north of the county line, are already rentals. Median selected monthly owner costs with a mortgage are $1,654 in the city. They are $1,532 in Potter County and $1,803 in Randall County. Without a mortgage, the same medians are $617, $548, and $717 respectively. From the April 2020 estimates base to July 1, 2025, Amarillo's population grew 2.4%. Potter County's population declined 3.5%, while Randall County grew 8.3% over that period. We cite those figures as market context, not as underwriting rent or value on a specific file.

Worked examples: official rent versus tax in an Amarillo DSCR

Here is a labeled example, not a quote on a specific property and not a commitment to lend. Start with the FY2026 two-bedroom Fair Market Rent of $1,106 for the Amarillo HMFA. Subtract about $321 a month in tax on a $200,000 Randall-side taxable value. That leaves $785 a month for principal, interest, insurance, and HOA dues at a 1.00 ratio. Using Amarillo's median gross rent of $1,092 and the same $321 tax line leaves $771 a month. A three-bedroom at the FY2026 FMR of $1,503 would leave $1,182 a month after that tax line. Insurance, flood coverage, and HOA dues still have to fit inside that remainder. A DSCR lender will still use the lease or the appraiser's market rent on the actual file. The FMR and Census medians are official benchmarks, not a promise of your unit's rent.

How lenders count rent on an Amarillo file

Lenders do not all count rent the same way. On a purchase, many will use the appraiser's market rent, a signed lease, or the lower of the two. On a refinance, they often start with the in-place lease if the tenant is paying on time. A vacant unit may be underwritten to market rent, to a haircut on market rent, or not at all, depending on the program. We tell you which rule the chosen lender uses before you spend money on an appraisal.

Student and faculty rentals near West Texas A&M University in Canyon can be steady, but leases that follow a school calendar are not the same as a twelve-month residential lease. Tell us if the property is rented by the semester or sits vacant in the summer. Some lenders will not treat a partial-year lease as full market rent.

Short-term or recreational use is a stricter overlay. Properties toward Palo Duro Canyon or Lake Meredith that are used seasonally may not fit a standard DSCR program. We would rather flag that early than discover it in underwriting. The same is true for land-heavy acreage with a modest house, large outbuildings, or agricultural use. Some investor lenders want a residential rental, not a ranch or hobby-farm file.

If you do use short stays, plan for hotel occupancy tax as well. The City of Amarillo's official hotel-motel tax page states a 7% city hotel occupancy tax plus a 2% tax for the Amarillo-Potter Events Venue District. Short-term rentals are included. Returns are filed monthly, and operators register annually. That tax affects cash flow. It is not a PITIA line unless a lender treats it that way, and short-term income still needs the lender's overlay.

Houses on wells and septic systems, which are more common toward Bushland, Canyon's outskirts, and the edges of the city, can still qualify when the systems are acceptable to the lender and the appraiser. Inspections may be required. Budget time for that work, and do not assume every DSCR overlay is as flexible as a local portfolio lender might be.

Taxes, insurance, title, and cash to close

Property tax is often the line that changes an Amarillo DSCR the most. Local rates are meaningful, and they are billed by local collectors, not by the state. Lenders usually collect tax into escrow. The monthly figure in the ratio should be the full annual bill divided by twelve, using the non-homestead taxable value when the property is a rental. If you are unsure, send us the latest bill and the appraisal district record, and we will build the payment from those documents.

Amarillo winters bring hard freezes. Inspectors and insurers look at plumbing protection, furnaces, and foundations, especially on older homes in north and central Amarillo. Landlord insurance can be higher on an older house, and that premium sits in the PITIA. A cheap quote that later rises can undo a tight ratio. Wind and hail coverage can also matter on a Panhandle policy. We do not publish a typical premium here, because the cost is specific to the house and the carrier. Ask your agent for a landlord quote that includes that coverage, and enter the monthly premium in the calculator. We ask for a real landlord policy quote early. Flood insurance is parcel-specific. Check the current FEMA map for the address and include a flood line in the calculator when the property needs it.

Title insurance premiums in Texas are set by the Texas Department of Insurance. That is different from states where title fees are widely negotiated. Recording charges and escrow fees still appear on the Loan Estimate and the Closing Disclosure. For a broader view of Texas closing costs, see our closing costs by state page.

Reserves after closing still matter. DSCR lenders often want months of the subject payment on hand, and sometimes months across other financed rentals. On a purchase, cash to close includes down payment, closing costs, and those reserves. On a cash-out refinance, the new payment has to clear the lender's minimum DSCR at the new loan amount. In many markets, including the Panhandle, the ratio limits the loan before the loan-to-value cap does. A slightly smaller loan can keep the payment inside what the rent will support.

Older homes, newer subdivisions, and condos

Central Amarillo and neighborhoods such as San Jacinto have early-1900s brick homes and bungalows that attract investors because the prices can sit well below newer suburbs. Those houses need a close look at foundations, sewer lines, roofs, and electrical systems. Repair findings can delay a closing if the lender requires them before funding. We would rather see the inspection early and budget for work than discover it in the appraisal addendum.

Wolflin and Olsen Park, closer to the medical district along Wallace Boulevard and Coulter Street, have many established homes near the hospitals and the Texas Tech Health Sciences Center campus. Southwest Amarillo, including areas such as the Colonies and Greenways, has newer houses, and many of those communities have HOA dues. HOA dues count in the ratio. Ask for the current amount and any special assessment before you offer.

Northeast and north Amarillo often has lower price points and older housing stock. The DSCR can still work when the rent supports the payment and the property condition is acceptable. Price alone is not the test. A lower price with high taxes, high insurance, or heavy repairs can still produce a weak ratio.

Condo and planned-unit files add project review. The lender will want HOA documents, a budget, and insurance that meets its rules. A project with a large special assessment or pending repairs can stall a DSCR approval even when the unit rent looks fine. If you are buying a condo or a house in an HOA, send those documents with the rest of the package.

Title in an LLC, credit, and prepayment terms

Many investors hold Potter and Randall County rentals in an LLC. DSCR lenders are used to that structure. They will ask for the articles, the operating agreement, a good-standing record, and a clear picture of who signs. Vesting on the loan, the title policy, and the insurance must match. If you plan to move a property into an LLC at closing, tell us before we order the appraisal. Some programs want the entity in title a certain way, and a last-minute change can delay funding.

We have already closed DSCR refinance work on a Texas rental held in an LLC, including a Dallas file in spring 2025, and we use the same vesting and reserve review on Amarillo loans. The property can be in the Panhandle while the investor lives in another state. Out-of-state buyers are common on these programs, as long as the entity, reserves, and property use fit the overlay.

Credit score floors and reserve rules differ by lender and by loan-to-value. A higher score and more reserves can open a program that a thinner file cannot use. We do not publish a single minimum on this page, because the number is not the same across the lenders we compare. We will tell you the actual overlays for the program we recommend on your property.

Prepayment terms deserve a close read. Because these loans are business-purpose credit, many DSCR programs include a prepayment period for the first few years. The cost of selling or refinancing early can be material. We review those terms with you in plain language before you choose a program, alongside the ratio, the reserve requirement, and the lock period.

If a DSCR program is not the right fit, we can also look at bank-statement income for a self-employed buyer who will occupy a home, or at other investor options on our investors page. Self-employed ranch income, for example, may be documented with tax returns on a full-doc file or with bank statements when the returns understate cash flow and the occupancy is not a DSCR rental. The right path depends on occupancy, the property, and how you document income.

Estimate your Amarillo DSCR

Use the form below to estimate the ratio with the rent and payment you expect. Enter each unit's monthly rent and the full monthly PITIA. Include property tax, any MUD or PID charges, insurance, flood insurance if it applies, HOA dues, and special assessments. Use a non-homestead tax figure on a rental. The result is a starting estimate. Each lender sets its own minimum ratio and decides which rent it counts. This is not a commitment to lend.

Real DSCR files we closed

The files below are real, and they are from markets where we have already closed DSCR loans. One of them is a Texas LLC refinance. We do not invent Amarillo closings. They show how we work a DSCR file in any city, including Potter and Randall Counties.

• A Texas LLC refinance. In spring 2025 we closed a DSCR refinance on a Dallas rental held in an LLC, as part of a stretch of out-of-state investment loans. The file qualified on rent, not on personal tax returns, and the vesting stayed in the entity.
• Two condos, one day. In fall 2024 we closed two condo purchases for a Las Vegas investor with five or more rentals, both on the same day. The appraiser's rent pushed one ratio down to 0.82, and we kept the loans approved because the equity and reserves carried them.
• A foreign-national buyer. In spring 2023 we closed a DSCR loan for a foreign-national investor who bought a $435,000 rental in Las Vegas, using the property's rent rather than U.S. tax returns.
• A small-balance LLC refinance. A Nevada investor's LLC refinanced a $160,000 single-family rental in Kansas City. The appraisal came in $50,000 higher, the DSCR was 1.45, and the file went from submission to clear to close in 13 days.

"One thing being a real estate investor has taught me is that getting a loan approved and making a good investment are two different things. I've seen investors spend weeks negotiating a purchase price and then barely examine the financing terms. They focus on the interest rate. I look at the entire transaction: cash invested, monthly carrying costs, reserves, prepayment penalties, and the exit strategy."

— David Ghazaryan

What clients say about investment-property loans with us:

"Andrei and David were so great! They're helpful and communicated everything with me through the whole process. I am so pleased and look forward to using iqrate for my future investment properties. 10/10 Will be reccomending to friends."

— Kassandra Arthur, 5-star review on Google

"David helped me to purchase my investment home earlier this month. Very happy I was referred to him by my real estate agent. He started from tax advice on how to file to easily qualify and ended with a congratulatory call when the loan funded. Best mortgage broker in town, hands down. That rhymed. We started the process early December and he advised me to lock the rate as soon as possible since rates were going up. Then about a week later after the loan had been approved, he called me advised me the rates had gone down and I could get 0.25% lower interest rate. He switched to another bank, relocked and started the process again. I wouldn’t have even known rates were down and that I could save, the sole fact he did this makes me very grateful to him. This shows he cares, and others need to know. Now, I’m saving for another 20% down to buy another investment home. I highly recommend David."

— Samvel Harutyunyan, 5-star review on Zillow

"David handled the purchase of my investment duplex in Olympia - Washington State. He came recommended by my realtor, and was very attentive, closed on time, and communicated clearly."

— Nnamdi Chima, 5-star review on Zillow

These reviews are not specific to Amarillo.

Areas and property types we see in the Amarillo market

We work DSCR files on one-to-four unit rentals across Amarillo and nearby communities. Common areas include central and north Amarillo (79107, 79108), Wolflin and Olsen Park (79106, 79109), southwest Amarillo and the Colonies (79119, 79124), south Amarillo (79110, 79118), Canyon (79015), and Bushland (79012). The ZIP list is a guide to where we already lend, not a claim that every address automatically qualifies.

Single-family rentals are the most common DSCR subject here. Duplexes and small multifamily buildings can work when all units are legally rentable and the appraisal supports the rent. Acreage with a modest house, large shops, or agricultural use can be harder, because some DSCR lenders want a residential rental rather than a land-heavy property. If the land value is a large share of the appraisal, we need to confirm the program before you spend money on reports.

Video: why DSCR approvals fail on older rentals

In this short video, David Ghazaryan explains why lenders look closely at an older rental's condition, insurance cost, and true rent before they approve a DSCR loan. The same issues come up on many older Amarillo homes.

Frequently asked questions

What is a DSCR loan in Amarillo?

A DSCR loan is a mortgage on a non-owner-occupied rental that qualifies on the property's rent compared with its full monthly payment. It is business-purpose financing. You cannot live in the home. Lenders still review credit, assets, reserves, and the appraisal.

Does it matter whether the house is in Potter or Randall County?

Yes. The appraisal district covers both counties, but county, school, and other rates differ by side of the line. The tax bill, and therefore the DSCR, can change from one neighborhood to the next. Use the bill for that parcel, not a citywide average.

Can I use a homestead exemption on a rental?

A general residence homestead exemption is for a property used as the owner's principal residence. A typical DSCR rental does not qualify. Do not build the payment from a seller's homestead bill if that relief will not apply after closing.

Does the 10 percent appraisal cap apply to my investment property?

The cap in Tax Code Section 23.23 applies to a property that receives a residence homestead exemption. It does not cap a typical investment rental. Confirm the taxable value with the Potter-Randall Appraisal District.

Can I close an Amarillo DSCR loan in an LLC?

Often yes, when the lender accepts entity vesting and the documents are in order. The articles, operating agreement, signers, title, and insurance must match. Tell us before we order the appraisal if you plan to close in an LLC.

What if the appraiser's rent comes in lower than I expected?

The ratio is rerun with the rent the lender will count. On some files, more equity or a smaller loan can still support approval. On others, the payment no longer clears the program minimum, and we have to restructure or stop. We have closed files below a 1.00 ratio when the program allowed it and the equity was strong, but that is not available on every overlay.

Are title insurance costs negotiable in Texas?

Title insurance premiums are set by the Texas Department of Insurance. Other closing charges still appear on your Loan Estimate. We review the estimate with you so the cash-to-close figure is complete.

Do you work files in Canyon and Bushland as well?

Yes. Those communities are part of the Amarillo-area market we already cover. The loan limits on this page are the county limits for Potter and Randall. Tax, HOA, well, and septic details are specific to the address.

Do short-term rentals in Amarillo pay hotel occupancy tax?

Yes. The city's official hotel-motel tax page states a 7% city tax plus a 2% Amarillo-Potter Events Venue District tax, and short-term rentals are included. That tax is a cash-flow item. It is not automatically a PITIA line, and short-term income still has to meet the lender's overlay.

Can I buy an Amarillo rental if I live in another state?

Yes, out-of-state investors are common on DSCR loans. The property must be a non-owner-occupied rental, and the lender will still review credit, reserves, title, and the appraisal.

How should I estimate property tax in the ratio?

Use the current tax bill for that parcel, and do not copy a seller's homestead figure onto a rental. The Comptroller publishes annual rate lists, but the bill is the figure we put in PITIA.

Is a DSCR loan a commitment to lend?

No. Nothing on this page is a commitment to lend. Every loan is subject to credit approval, an appraisal, title, insurance, and the lender's current guidelines.

Talk with us about an Amarillo rental

If you are buying or refinancing a rental in Amarillo, Canyon, or elsewhere in Potter or Randall County, Apply now or call (702) 766-3744. You can also reach us through our Contact us page. We will estimate the ratio with the real tax and insurance figures, compare DSCR programs, and tell you plainly whether the file fits.

Related reading: DSCR loans, investor loans, jumbo loans, FHA loans, our guarantees, and Texas mortgage broker licensing.

Sources

• FHFA, 2026 conforming loan limits
• HUD, 2026 FHA forward limits and FY2026 Fair Market Rent schedule
• U.S. Census Bureau, QuickFacts, Amarillo city, Potter County, and Randall County, Texas
• City of Amarillo, September 18, 2025, news release on the FY 2025/26 tax rate and hotel-motel taxes
• Randall County, 2025 Truth-in-Taxation summary
• Potter County, Commissioners Court tax-rate order, September 22, 2025 and tax rate page
• Texas Comptroller, Property Tax, tax rates, exemptions, and appraisal and tax limitations
• Potter-Randall Appraisal District, PRAD
• Texas Department of Insurance, title insurance
• Fannie Mae Selling Guide, B2-2-03, B3-4.1-01, and B3-3.1-08
• CFPB, Regulation Z, 12 CFR 1026.3
• NMLS Consumer Access, iQRATE Mortgages LLC, NMLS 1862492

Checked November 10, 2026.