Jermaine Fields · MLO · NMLS #2067609 · DSCR Insider Powered by NEXA Lending · NMLS #1660690 · CA & MO only — NOT Kansas
Why STL first: Missouri is where DSCR math pencils AND where you run "DSCR Insider Powered by NEXA Lending" with no DBA wait. Own "DSCR / investor loan St. Louis" across the platforms that rank.
Compliance: never publish a specific rate/APR. Send every live profile + public post to adscompliance@nexalending.com before it goes live.
Part 1 — Profile Copy Pack
⚠️ Google Business Profile reality check: GBP is tied to a verified physical address and ranks for the city it sits in. You're CA-based, so GBP ranks your CA base — it can't be spoofed into an STL ranking (against Google + NEXA policy). St. Louis is won on the platforms that aren't address-locked: Zillow, Realtor.com, BiggerPockets, LinkedIn, Reddit, Quora. GBP copy below is for your CA profile, geo-worded for the markets you serve.
Zillow Lender Profile
HeadlineDSCR & Non-QM Investment Loans | St. Louis & Missouri Investors
About / BioI help real estate investors finance St. Louis rentals on the property's cash flow — not their tax returns. As a DSCR and Non-QM specialist with NEXA Lending, I qualify deals on rent ÷ PITIA, so self-employed buyers and portfolio investors can close on South City flats, North County rentals, and BRRRR refinances without W-2s or DTI limits. If a property cash-flows, let's run the numbers.
Specialties: DSCR loans · BRRRR cash-out refinance · Bank-statement & 1099 loans · 2–4 unit multifamily · LLC vesting
Licensed in California & Missouri (not licensed in Kansas).
Jermaine Fields · NMLS #2067609 · NEXA Mortgage LLC NMLS #1660690
BioInvestor-focused mortgage originator specializing in DSCR and Non-QM loans for the St. Louis market. I close investment properties on rental cash flow — no tax returns, no personal DTI cap — which makes me the go-to takeout for BRRRR investors stabilizing rentals in South City (63116), North County (63031/63033), and the West End. Self-employed? I also do bank-statement and 1099 loans. Send me an address and the projected rent and I'll tell you if it pencils.
NMLS #2067609 · NEXA Lending NMLS #1660690 · CA & MO only · Not a commitment to lend.
BiggerPockets Profile
TaglineDSCR/Non-QM lender for St. Louis investors — close on the rent, not your tax returns
AboutSt. Louis-focused mortgage originator (NEXA Lending) doing DSCR, BRRRR cash-out, bank-statement, and 1099 loans. I qualify the property's cash flow (rent ÷ PITIA), so investors can scale past the conventional 10-property cap and close in an LLC. Active in the STL financing conversation — drop an address + projected rent in a thread or DM and I'll tell you in a sentence whether it works. Licensed CA & MO (KC-metro deals Missouri-side only; not licensed in KS).
Jermaine Fields · NMLS #2067609 · NEXA Mortgage LLC NMLS #1660690
LinkedIn
HeadlineMortgage Loan Originator | DSCR & Non-QM Investment Loans | St. Louis & Missouri Investors | NMLS #2067609
AboutI finance investment properties on what they earn, not what your tax return says. For St. Louis investors, that means DSCR loans qualified on rent ÷ PITIA — no W-2s, no DTI ceiling, LLC vesting, and a clean BRRRR takeout when you've stabilized a rehab. I also help self-employed borrowers with bank-statement and 1099 loans. If you're buying cash-flowing property in South City, North County, or anywhere in the Missouri-side metro, send me the numbers.
NEXA Lending · NMLS #2067609 · NEXA Mortgage LLC #1660690 · CA & MO only · Not licensed in Kansas. Not a commitment to lend.
Google Business Profile (for your CA base — geo-worded)
DescriptionMortgage loan originator specializing in DSCR and Non-QM investment-property loans for real estate investors in California and Missouri. I qualify loans on the property's rental cash flow — no tax returns required — for buy-and-hold, BRRRR, and self-employed borrowers. NMLS #2067609 · NEXA Mortgage LLC NMLS #1660690. Not licensed in Kansas. Not a commitment to lend.
Each platform that ranks for a keyword is a citation. Own a cluster of "DSCR/investor loan + St. Louis (or submarket)" across non-address-locked platforms and you become the result an STL investor finds.
BiggerPockets profile + 5 STL-tagged forum answers.
LinkedIn article: "DSCR Loans for St. Louis Investors: Qualify on Rent, Not Tax Returns."
Point missouri.dscrinsider.com at "investment property loan St. Louis"; submit live site to compliance.
Reddit/Quora answers seeded with submarket terms (63116, North County).
Part 3 — STL Content Batch (paste-ready)
Localized Posts & Answers
LinkedIn — South City flatsSt. Louis investors: that 2-family flat in 63116 you're eyeing? You don't need to prove your personal income to finance it. A DSCR loan looks at one thing — does the combined rent cover the full payment (PITIA)? If rent ÷ PITIA clears 1.0, the property qualifies itself. No tax returns. Close in your LLC. Tell me the address and the rent roll and I'll tell you if it pencils.
Jermaine Fields · NMLS #2067609 · DSCR Insider Powered by NEXA Lending · CA & MO only
LinkedIn — North County / Section 8North County St. Louis (63031, 63033) is one of the few metros where the BRRRR rent lever still works — and Section 8 voucher rents can beat market. Here's the part investors miss: when you refinance out of your rehab money, a DSCR lender underwrites to the market-rent appraisal, not your pro-forma. Get the rent right and the cash-out takes care of itself. Buying in North County? Let's run the takeout math.
Jermaine Fields · NMLS #2067609 · NEXA Lending #1660690 · Not a commitment to lend.
Reddit — r/realestateinvesting (BRRRR takeout)For the refi leg of a BRRRR in the St. Louis metro, a DSCR loan is usually the cleanest exit. It qualifies on the property's rent vs. PITIA instead of your tax returns or DTI, so it doesn't matter how many properties you already have or how aggressive your write-offs are. Watch two things: most DSCR lenders have a ~$75–100K minimum loan amount (cheap North County stock can fall below it and need a local portfolio lender), and there's often a prepayment penalty — so know your hold. Happy to point you to how the math works if useful. (MLO, licensed MO & CA — not KS.)
BiggerPockets — financing questionIf the buyer's tight on liquidity but the property cash-flows, DSCR is built for exactly this. The qualifying math is rent ÷ PITIA (principal, interest, taxes, insurance, association dues). Clear 1.0 and the property carries itself; stronger ratios get better terms. No personal income docs, LLC vesting, and no Fannie 10-property cap. For St. Louis specifically, just confirm the loan amount clears the lender's minimum on lower-priced North County deals. I do these in MO and CA (KC-metro Missouri-side only — not licensed in KS).
Quora — self-employed / low taxable incomeYes — you're looking at the wrong loan type. Conventional underwriting reads your net taxable income, so write-offs sink you. Two workarounds: (1) for a rental, a DSCR loan ignores your income entirely and qualifies the property on rent ÷ PITIA; (2) for income you do need to show, bank-statement loans use 12–24 months of deposits to calculate real cash flow, and 1099 loans use your 1099 income. All three skip tax returns. I originate these in Missouri and California. (NMLS #2067609 · not a commitment to lend.)
X / Twitter — shortSt. Louis investors: DSCR loans qualify the property's rent, not your tax returns. Rent covers PITIA → it pencils. LLC ok. No 10-property cap. DM an address + rent. #STLrealestate #DSCR
NMLS #2067609 · NEXA Lending · CA & MO only
⚠️ Compliance Checklist
NMLS #2067609 + NEXA #1660690 on every profile/post.
"CA & MO only — not licensed in Kansas"; KC content = Missouri-side only.
MO branding "DSCR Insider Powered by NEXA Lending" is approved here.