HOMETOWN?
Havertown
FAVORITE FREE TIME ACTIVITY?
Ice Hockey
Rick Spano
Branch Manager – DSCR lending
(484) 459-7626
About RICK
Rick specializes exclusively in Debt Service Coverage Ratio (DSCR) loans to help investors scale portfolios, improve leverage opportunities, and move quickly in competitive acquisition environments.
His approach to DSCR lending is rooted in nearly three decades of experience in mortgage, technology, and consumer-direct lending. This allows him to understand not only how to structure investor loans, but also how to execute them efficiently. He brings deep knowledge of investor property analysis, rent-based qualification models, portfolio growth strategy, and DSCR program guidelines across varying market conditions.
He works closely with real estate investors, from first-time rental property buyers to experienced portfolio operators, helping them navigate DSCR loan structures, including purchase, rate/term refinances, and cash-out strategies. His focus is on speed, predictability, and clear execution so investors can make confident acquisition and financing decisions.
DSCR products are only available for business-purpose loans.
FIRST JOB?
Busboy
FAVORITE TRAVEL?
Aruba
FAVORITE MUSIC GENRE?
Pearl Jam
St. Louis, MO | Corporate HQ
1066 Executive Parkway Dr. Suite 100
St. Louis, MO 63141
Mortgage Calculator
Estimates provided are for illustrative purposes only. This does not represent a commitment to lend. Your actual rate, payment, and costs could be higher. Get an official Loan Estimate before choosing a loan.
ESTIMATED MONTHLY PAYMENT
Principal & Interest
$
955
Property Taxes
$
183
Home Insurance
$
71
TOTAL MONTHLY PAYMENT
$
1,209
Award-Winning Employer
Delmar Financial Company | Delmar Mortgage
NMLS ID# 30998
1066 Executive Parkway, Suite 100, St. Louis MO, 63141
Call us: (888) 866-8734
Office Hours: M–F: 8:45 AM – 5:15 PM CT
Delmar Mortgage is an Equal Housing Lender
This site is not authorized by the New York State Department of Financial Services. No mortgage solicitation activity or loan applications for properties located in the State of New York can be facilitated through this site.
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