DSCR & Investment Property Lending in Texas: Nathan Howry's Multi-State Broker-Owner Journey

Nathan Howry is the President & CEO of Mortgage Inc. — a New Braunfels, Texas-based brokerage five years in the making, built on a broker-first philosophy, in-house operations, and a team culture laser-focused on helping every loan officer reach six figures. Licensed in five states with 13 LOs and a personal production volume of $35–50 million a year, Nathan has built a company that doesn't just survive tough markets — it finds opportunity in them. In this episode of Chasing Excellence, he joins host Tony Thompson, CMB for a practical, no-fluff conversation about what it really takes to build a mortgage brokerage that grows its people and outlasts market cycles. Nathan spent nearly two decades in the industry — moving through restaurant management, a decade in real estate, and a rapid rise from LOA to branch manager — before making the deliberate move to broker ownership. What followed was a brokerage built on process, fairness, and a relentless focus on the investment property lending niche that's now become their signature. **What You'll Learn:** - How Nathan went from a failed real estate career and the restaurant business to running a multi-state mortgage brokerage - Why he rebranded from "Mortgage Maniac" to Mortgage Inc. — and what the process taught him about building a company that can recruit and scale - How Mortgage Inc. became the exclusive mortgage team for one of the largest build-to-rent developers in the country - Why Nathan shifted focus to DSCR and investment property loans — and how it positioned the company perfectly in a slow purchase market - The accountability system behind his weekly one-on-one calls with every LO on his team - Why over-communication is the single most important habit for any originator trying to reach the top level of this business - How Nathan built a full ecosystem — development, property management, tenants, and individual investor financing — that keeps clients coming back - The difference between broker and retail — and the real reason Nathan made the switch - The three pillars Nathan credits for his success: Family, Faith, and Fitness - Why mental fitness — cutting out the noise and the vices — is what truly moves the needle for top producers - Tony's "Corporate Athlete" framework and why every serious originator needs to hear it * * * **Connect with Nathan Howry:** https://www.linkedin.com/in/nathan-howry/ Mortgage Inc. : https://mortgage-inc.com/ * * * Subscribe to Chasing Excellence for weekly conversations with top mortgage professionals and industry leaders sharing what it truly takes to go from good to great.