Website Disclaimer

Broker, Not Lender

Loan Daddy LLC (Company NMLS #2827624) is a mortgage brokerage. We are not a lender, bank, credit union, or depository institution. We arrange business-purpose financing on non-owner-occupied investment real estate through a network of wholesale lender partners. All loan decisions are made by the wholesale lender.

Not Financial Advice

Content on this Site, including loan information, DSCR calculations, rate quotes, and educational articles, does not constitute financial, investment, legal, or tax advice. Every investor situation is unique. You should consult qualified professionals (financial advisors, attorneys, tax professionals) before making financing or investment decisions.

Illustrative Rates and Terms

All loan terms, interest rates, and conditions displayed on this Site are subject to change without notice and depend on factors including:

• Current market conditions
• Borrower qualifications and experience
• Property type, location, and condition
• Loan amount and loan-to-value ratio
• Credit history and score
• Debt service coverage ratio (DSCR)

Rates and terms shown are illustrative only and do not constitute a loan offer, commitment, or rate lock. Actual rates and terms are determined by the wholesale lender upon full underwriting.

Calculator Disclaimer

The DSCR calculator and other tools on this Site are provided for educational purposes only. Results are estimates based on the information you enter and standard calculation methods. These tools do not account for all factors that may affect your actual loan qualification, terms, or property cash flow. Do not rely solely on calculator results when making investment decisions.

No Guarantee of Approval

A preliminary scenario review, assessment, or quote provided through this Site does not guarantee final loan approval. All loans are subject to credit approval, property appraisal, underwriting requirements, and lender conditions.

Investment Property Risks

Real estate investment involves significant risk, including:

• Market fluctuations and property value decline
• Vacancy and rental income loss
• Unexpected maintenance and repair costs
• Changes in local laws and regulations
• Interest-rate increases on adjustable-rate loans
• Tenant-related issues and natural disasters

Past performance is not indicative of future results. Carefully evaluate the risks before making any investment decision.

Third-Party Content

This Site may contain links to third-party websites, content, or resources (including wholesale-lender loan application portals). Loan Daddy LLC does not endorse, guarantee, or assume responsibility for the content, products, or services offered by third parties.

Broker, Not a Lender

Loan Daddy LLC is a business-purpose real estate investor loan broker. Loan Daddy LLC arranges commercial/business-purpose loans through authorized wholesale lender partners. Loan Daddy LLC does not make, fund, underwrite, approve, or deny loans. All credit decisions are made by the wholesale lender.

Fair Credit

Loan Daddy LLC complies with the Equal Credit Opportunity Act and does not discriminate against any applicant on the basis of race, color, religion, national origin, sex, marital status, age, receipt of income from any public assistance program, or the exercise in good faith of any right under the Consumer Credit Protection Act.

Licensing

Loan Daddy LLC is an Arizona Limited Liability Company operating as a business-purpose commercial mortgage broker. Company NMLS #2827624. AZ Commercial Mortgage Broker License #CMB-2016143. California Financing Law Finance Broker license application pending. California loans are arranged only with properly authorized California Financing Law finance lender partners. Not all loan programs are available in all states. See our Licensing page for full details.

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