Terms of use

Acceptance

By using this website you agree to these terms. If you do not agree, do not use the site. The site is operated by Loan Daddy LLC, NMLS #2827624, under the brand DSCR Loans Minnesota.

No offer, no commitment

Nothing on this site is an offer to lend, a commitment to lend, a prequalification, or a statement of terms available to you. All loans are subject to underwriting and lender or investor approval, and terms are subject to change. Any program description is general and may not reflect the requirements that would apply to your specific property, entity or credit profile.

Business-purpose scope

Everything described here relates to business-purpose loans secured by non-owner-occupied investment property. We do not arrange financing for a property you or your family will occupy, and we do not arrange loans for personal, family or household purposes.

No rate quotes

This site does not publish interest rates, annual percentage rates or payment examples. Where a rate field exists in the calculator, it is blank and it is yours to fill in. Any output is arithmetic based on the numbers you entered, not a quote.

Calculator limitations

The DSCR calculator is an estimating tool. It does not include closing costs, prepaid items, vacancy, management, maintenance, capital reserves or program-specific adjustments, and it does not determine eligibility. It runs entirely in your browser; we do not receive the numbers you enter there.

No advice

Nothing on this site is legal, tax, accounting or investment advice. Property investment involves risk, including loss of capital. Consult your own attorney, CPA and advisors about a specific property, entity structure or transaction.

Accuracy

We try to keep the content accurate and current, including descriptions of local rules and market conditions, but rules change and local practice varies. Content about municipal ordinances, association rules and tax treatment is general information; verify the current requirement with the relevant authority before relying on it. We are not responsible for decisions made from general content without verification.

Third-party links

Links to other sites are provided for convenience. We do not control those sites and are not responsible for their content or privacy practices.

Intellectual property

The text, design, wordmark and graphics on this site belong to Loan Daddy LLC or are used with permission. You may read, print and share pages for your own use. You may not republish them commercially or present them as your own without written permission.

Submissions

Information you email to us, or submit through a form when one is active, is handled as described in the privacy policy; questions go through the contact page. Do not submit confidential information you are not authorized to share, and do not submit another person’s information without their consent.

Limitation of liability

To the extent permitted by law, Loan Daddy LLC is not liable for indirect, incidental, special or consequential damages arising from use of this site or reliance on its content. Nothing in these terms limits liability that cannot be limited under applicable law.

Governing law

These terms are governed by the laws of the State of Minnesota, without regard to conflict of law principles. Any dispute arising from use of the site will be brought in the state or federal courts located in Minnesota.

Changes

We may update these terms. The date at the top of the page reflects the current version. Continued use after a change means acceptance.

Contact

Questions about these terms: quotes@loandaddy.ai. Licensing detail is on the licensing page.