Legal
Terms of use
TL;DR
This site offers general education and a way to send a business-purpose loan scenario. Nothing here is a loan offer, quote or commitment, and calculator results are estimates. Loan Daddy LLC is a mortgage broker, not a lender.
Acceptance
By using dscrwithsteve.com you agree to these terms. If you do not agree, please do not use the site.
Educational content only
Guides, comparisons, FAQs and examples are general information. They are not legal, tax or financial advice and are not tailored to your situation. Lender requirements vary and change. Talk to your own attorney and tax professional about entity structure and tax questions.
The calculator
The DSCR calculator produces estimates from the numbers you enter. It does not reflect any specific lender's method, is not a quote, and does not mean you qualify. Lenders may use different rent figures, payment calculations and requirements.
Broker relationship
Loan Daddy LLC is a mortgage broker, not a lender. We arrange and shop financing from wholesale lenders. Wholesale lenders make all credit decisions and set final terms.
Eligibility
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.
Your submissions
You agree to provide accurate information. Submitting a form does not create a loan application, lock pricing or obligate either party. If you check the consent box, you agree to be contacted by Loan Daddy LLC about your request by email, phone, or text. Consent is not a condition of purchase.
Intellectual property
Site content, the DSCR Desk name and the logo belong to Loan Daddy LLC. Please do not copy them without permission.
Limitation of liability
The site is provided as is. To the extent permitted by law, Loan Daddy LLC is not liable for decisions made based on site content or calculator results.