DSCR Rates exists because investor loan pricing is usually presented as a single number with no explanation. We think investors make better decisions when they can see what is moving the number.
What we are
DSCR Rates is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a licensed mortgage broker. We are not a lender: we do not lend money or fund loans. We arrange and shop financing from wholesale lenders, compare how each one prices your scenario, and help you choose the structure that fits your plan.
What we focus on
Business-purpose financing for non-owner-occupied investment property: DSCR purchase loans, cash-out and rate-term refinances, short-term rental financing and portfolio loans. We do not arrange loans for homes you or your family will live in.
How we work
- Education first. Our pricing-factor explainers and guides are free and do not require an email address.
- No published rates. We will not show a number that cannot apply to you. Every quote is built on your scenario and lists its assumptions.
- Side-by-side structures. Where the trade-offs matter, we price two or three options — prepayment, upfront costs, payment type — so you can compare them directly.
- Plain disclosure. We show where our broker compensation appears on your loan documents.
Licensing
DSCR Rates is a Loan Daddy LLC brand, NMLS 2827624.
Broker, not lender
NMLS #2827624
AZ CMB Licensed · #CMB-2016143
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 our licensing page. You can verify Loan Daddy LLC at nmlsconsumeraccess.org.