About Debt Service Coverage Ratio
Debt Service Coverage Ratio is a Loan Daddy LLC brand, NMLS 2827624. We are a mortgage broker, not a lender: we explain how the DSCR on a rental is calculated, then arrange and shop business-purpose financing from wholesale lenders for non-owner-occupied investment property.
Why a site named after a ratio
Most DSCR loan conversations skip straight to pricing. We think that is backwards. Whether a rental loan works is decided first by one fraction: the rent a lender will count over the full monthly payment. Get either side wrong and every quote that follows is built on sand. So this site starts with the math, shows every input, and only then talks about loans.
What we do
We do not underwrite, approve or fund loans. We arrange and shop business-purpose DSCR financing from wholesale lenders, show you how each program reads your ratio, explain the tradeoffs and coordinate the file through closing with the lender you choose. How we are paid is disclosed to you in writing before you commit.
How we work
- Show the math. Every estimate we discuss can be traced back to a rent figure and a payment figure you can check.
- Conservative inputs. We would rather tell you a ratio is thin now than have an appraisal tell you later.
- No teaser pricing. We never post pricing. Real options come after we see your scenario.
- Business purpose only. We focus exclusively on non-owner-occupied investment property.
Who is behind the site
Debt Service Coverage Ratio is a brand of Loan Daddy LLC, a licensed mortgage broker. Full licensing details are below and on our licensing page. To start, try the DSCR calculator, read about DSCR loans, or send us your scenario.
Debt Service Coverage Ratio is a Loan Daddy LLC brand, NMLS 2827624.
Broker, not lender · NMLS #2827624 · AZ CMB Licensed · #CMB-2016143 · CA CFL #60DBO-218873 · 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.
Ready to discuss your rental property ratio?
Send the rent, the property and what you want to do. We take the scenario to multiple wholesale lenders, show how each one reads your DSCR, and explain the tradeoffs before you commit to anything.