Working together
Investor FAQ: working with me on a DSCR loan
TL;DR
Sending me a scenario costs nothing, does not pull credit and never asks for your SSN. I run the DSCR, tell you honestly where it stands, and if it makes sense I shop it with wholesale lenders. These are the questions investors usually ask before they reach out.
Who is Loan Daddy LLC?
I am a loan specialist with Loan Daddy LLC, NMLS 2827624, and I focus only on business-purpose DSCR loans for real estate investors. Loan Daddy LLC is a mortgage broker, NMLS 2827624.
What does it cost to talk to you about a scenario?
Nothing. Reviewing your scenario and running the coverage math costs you nothing and does not commit you to anything. Any loan costs are disclosed in writing once you choose to apply.
Will contacting you hurt my credit?
Sending a scenario through this site does not pull credit. A credit report is only ordered later, with your authorization, if you decide to move forward with an application.
Do you only do DSCR loans?
Yes. On this site I only arrange business-purpose DSCR financing for non-owner-occupied investment property. I do not arrange loans for homes you will live in.
Why use a broker instead of going straight to a lender?
Each wholesale lender sets its own DSCR rules on ratios, property types, short-term rentals, entities and reserves. As a broker, I can take one file to several lenders and find the guidelines that fit it, instead of forcing it into one rulebook.
How fast do you respond?
A Loan Daddy loan specialist will follow up after you send your scenario. I do not promise closing timelines, because those depend on the appraisal, title, the lender and you.
What should I have ready before I contact you?
The property state and type, what you want to do (buy, cash-out or refinance), a rough value and loan amount, and the rent. A lease, tax bill and insurance quote help a lot but are not required to start.
Can you help me if I am still shopping for a property?
Yes, and that is the best time. If you send me a target property or price range, rent and costs, I can tell you what the ratio needs to look like before you write an offer.
Do you work with investors in every state?
Loan Daddy LLC arranges business-purpose DSCR loans through wholesale lenders, and availability depends on the property location and the lenders that serve it. Send me the state and I will tell you what is available.
Will you ask for my Social Security number on the website?
No. The forms on this site never ask for your SSN, date of birth or credit score. Sensitive information is collected later through a secure application.
What happens after I send my scenario?
A Loan Daddy loan specialist will follow up. We review the numbers, I run the DSCR, and if it makes sense I shop it with wholesale lenders and walk you through the options before anything is submitted.
Can you guarantee I will be approved?
No one honestly can. All loans are subject to underwriting and lender or investor approval, and terms can change. What I can promise is a straight answer about where your file stands.
Want me to run your numbers?
Send me the property, the rent and what you are trying to do. I will run the coverage math, tell you where it stands, and shop it with wholesale lenders if it makes sense.