Investment Loans  ·  Non-QM  ·  Bridge  ·  1031 Exchange  ·  DSCR Nationwide
hello@xmortgagebroker.com
The Team

You Work With Us.
Not a Call Center.

Two real estate and mortgage professionals who answer their phones, know DSCR inside and out, and are personally invested in your success as a real estate investor.

Who We Are

Built Specifically for Real Estate Investors

xMortgageBroker is a DSCR and real estate investment mortgage hub built for investors who want faster answers and smarter financing options. Too many investors get stuck hunting for the right lender, dealing with slow underwriting, or working with loan officers who do not understand DSCR loans or investor financing.

As a independent mortgage professionals, we do not work for a single bank. We work for you. Our role is to find the right loan program and lending partner for your portfolio, strategy, and timeline. That flexibility gives investors access to solutions and speed that simply are not available at traditional shops or banks.

20+
Wholesale Lenders
50
States — DSCR Loans
$0
Cost to Pre-Qualify
~30
Day Avg Close Time
The Team

Meet Steve & Zach

Every loan is personally handled by one of us. No hand-offs to processors you've never met. Just two mortgage professionals who specialize in investor lending and pick up the phone.

Steve Bucciarelli, Licensed Mortgage Loan Officer — DSCR and investment property specialist DSCR Specialist
Licensed Mortgage Loan Officer

Steve Bucciarelli

Preferred Mortgage Corporation of New York  ·  NMLS #2002586

Steve specializes in DSCR and investment property financing for real estate investors across all 50 states. With deep expertise in non-QM lending and wholesale lender relationships, he helps investors qualify for loans that traditional banks won't touch — structuring deals around rental income, not W-2s.

Whether you're buying your first DSCR rental, scaling a 20-property portfolio, or need a bridge loan to close fast on a distressed deal, Steve has the programs and lender relationships to get it done.

DSCR Loans Investment Property Jumbo Bridge Loans Non-QM Portfolio Financing
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Zach Warner, Real Estate Agent and Mortgage Loan Coordinator at xMortgageBroker Investor Lending
Real Estate Agent & Loan Coordinator

Zach Warner

Preferred Mortgage Corporation of New York  ·  NMLS #TBD

Zach brings a consultative, client-first approach to investment property lending. He specializes in helping both first-time investors and seasoned portfolio builders navigate DSCR, jumbo, and bridge loan programs with clarity and confidence — taking the time to understand your goals before recommending a program.

From single-family rentals to multifamily acquisitions, short-term rental financing to bridge-to-DSCR strategies, Zach is the loan officer you want in your corner when the deal matters.

DSCR Loans First-Time Investors Jumbo Bridge Loans Short-Term Rentals Multifamily
5.0 · 24 Google reviews
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Broker vs. Bank

Why a Mortgage Broker Beats a Bank for Investors

When you work with a bank, you get one set of products at one set of rates. When you work with us, you get the entire wholesale market competing for your loan.

Working With a Bank
✗ One product menu — take it or leave it
✗ Retail pricing — higher rates than wholesale
✗ Strict W-2 income documentation required
✗ Often can't close in an LLC
✗ Limited or no DSCR / non-QM options
✗ Slow underwriting — 45–60 day closings
✗ You're a number in a queue
Working With xMortgageBroker
✓ Dozens of DSCR loan options
✓ Wholesale pricing — typically 0.25–0.75% lower
✓ DSCR: qualify on rental income, no W-2s
✓ LLC and entity closings available
✓ DSCR, bridge, jumbo, non-QM specialists
✓ Streamlined underwriting — avg 30-day closings
✓ Steve or Zach personally handles your loan
Ready to Get Started?

Let's Talk About Your Next Deal

Free consultation. No credit pull required to start. Steve or Zach will personally review your inquiry and respond within one business hour.

Get Pre-Qualified Book with Steve Book with Zach