About DSCR Desk

What this site is for

This site exists to help real estate investors understand and obtain DSCR financing: loans on non-owner-occupied rental property that qualify on the property's rent compared to its payment. It includes a working DSCR calculator, plain-English guides, side-by-side comparisons and a way to send a scenario.

Who is behind it

Loan Daddy LLC (NMLS #2827624) is a mortgage brokerage. The site is written in his voice because he is the person you will talk to about your file. Loan processing, disclosures and closing coordination are handled by the Loan Daddy team. Read more our approach and how he works.

What we arrange

• DSCR purchase loans on rental property
• DSCR cash-out and rate-and-term refinances
• Short-term rental DSCR loans, where lenders accept the income method
• Two-to-ten unit residential and small multifamily DSCR loans
• Closings in an individual name or an LLC, per lender guidelines

What we never do

• Arrange loans for property you will live in. Business-purpose, non-owner-occupied only.
• Act as the lender. Wholesale lenders make the credit decisions and provide the funds.
• Publish pricing or promise approvals, closing dates or loan-to-value limits.
• Ask for your SSN, date of birth or credit score on a website form.

Licensing and disclosures

DSCR Desk is a Loan Daddy LLC brand, NMLS 2827624.

• Broker, not lender
• NMLS #2827624
• AZ CMB Licensed · #CMB-2016143
• Equal Housing Opportunity

Business-purpose loans for non-owner-occupied investment property only; not for personal, family or household use. Not a commitment to lend. All loans subject to underwriting and lender/investor approval; terms subject to change.

Full details are on the licensing page.