Your next rental loan, built step by step.
DSCR Loan App turns a business-purpose DSCR loan into a guided flow on your phone. Build the scenario, check the coverage ratio and gather documents, then hand it to a licensed broker who shops wholesale lenders for you.
- Qualifies on rent, not pay stubs
- LLC-friendly programs
- AZ CMB Licensed · #CMB-2016143
Financing that works like an app, not a stack of paper
One question at a time
The scenario builder asks what matters, in order, and skips what doesn’t. No 40-field forms.
See the ratio as you type
Rent against payment, updated live, with a plain-English read on what the number means.
A checklist that remembers
Tick off documents as you gather them. Progress saves on your phone, ready for next time.
Shopped, not sold
We’re a mortgage broker. We compare wholesale lenders for your deal instead of pushing one product.
Four steps from idea to a shopped scenario
Build
Answer six short steps about your goal, the property and the numbers.
Check
Test the debt service coverage ratio with rates you enter yourself.
Gather
Work through a document list tailored to your deal and property type.
Send
A Loan Daddy loan specialist reviews it and shops wholesale lenders for you.
Pick the path that matches your goal
DSCR loans
Qualify on the rent the property brings in, not on your pay stubs.
Learn more →Purchase loans
Finance the next rental on its projected rent.
Learn more →Cash-out refinance
Turn rental equity into capital for the next move.
Learn more →Rate/term refinance
Reshape the loan you have without pulling cash.
Learn more →Portfolio loans
Several rentals, one organized financing plan.
Learn more →Three tools that do the prep work for you
Most delays on investor loans come from two things: numbers that don’t hold up and documents that show up late. Our tools tackle both before a loan specialist ever opens your file.
Six steps, one clean summary
Goal, property, numbers, costs and profile, packaged into a summary that prefills your application.
DSCR calculatorRent vs. payment, live
Enter rent, taxes, insurance, HOA and a rate you choose. Get the ratio and what it means.
Document checklistTailored, saved on your device
Filters for purchase, refinance, LLC, 2-4 units, condos and short-term rentals.
Built for the rentals investors actually buy
Single-family rentals
The classic long-term rental. Simple to value, simple to explain.
2-4 unit properties
Duplexes, triplexes and fourplexes, with rent from every unit.
Condos and townhomes
Condos and townhomes, where the HOA is part of the file.
Short-term rentals
Nightly and weekly rentals, qualified on booking income.
Quick answers
What is a DSCR loan?
A DSCR loan is a business-purpose mortgage for a non-owner-occupied rental property that qualifies mainly on the property’s rent compared with its monthly payment, instead of on your personal income documents.
Do you publish interest rates?
No. Pricing depends on your credit, the property, leverage, the ratio and market conditions, and it changes often. Our calculator lets you enter a rate you have been quoted or want to test, but we never suggest or advertise a rate.
Can I live in the property?
No. We only arrange business-purpose loans for non-owner-occupied investment property. If you, a family member or anyone in your household will live there, even part-time, a DSCR loan through us is not an option.
Are you a lender?
No. DSCR Loan App is a brand of Loan Daddy LLC, a licensed mortgage broker (NMLS #2827624). We arrange financing by shopping your scenario with wholesale lenders; the approving lender funds the loan.
Get started in under a minute
Short version. You can add the details later, or use the full application.
Ready to see what your rental can support?
Build a scenario in a few taps, then send it over. A Loan Daddy loan specialist reviews it and shops wholesale lenders for you.
Program Structure Comparison & Investor Brief
Reviewed by Loan Daddy LLC editorial team · Business-purpose investment property brokerage (NMLS #2827624).
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), ARV, and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Tax Returns / W-2 Required | Not required on standard DSCR shelves | Not required on asset-based bridge shelves | 2 years of personal & business tax returns and W-2s |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (standard for business-purpose bridge) | Generally restricted to individual borrower vesting |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |