§About
A broker for people who buy rentals on purpose
01What we do
We arrange financing. We do not lend.
The distinction is not a technicality; it decides what we can do for you.
DSCR Loan Arizona is a Loan Daddy LLC brand, NMLS 2827624.
DSCR Loan Arizona is a brand of Loan Daddy LLC, a mortgage broker licensed in Arizona and California. We arrange business-purpose loans for non-owner-occupied investment property and we shop them across wholesale lenders. That means we are not limited to one company’s program menu, one credit box or one set of reserve requirements.
It also means we do not make the final credit decision. The lender does, and the loan closes in the lender’s name. Our job is to know which lenders will look at a specific property favorably, to present the file so the property’s coverage is easy to underwrite, and to tell you when a deal does not work instead of letting an appraisal fee find out for you.
Our compensation is disclosed in the loan documents before you commit; based on the program it is paid by the lender, by you, or split. Third-party costs — appraisal, title, recording — are itemized before closing.
What we will do
- Run the coverage ratio on the actual property, with local costs.
- Compare wholesale programs and show you the trade-offs.
- Hand you the document list before you are under contract.
- Tell you when a deal does not work, and why.
What we will not do
- Call ourselves a lender. We are not one.
- Take an application for a home you intend to occupy.
- Quote rates on a website, including this one.
- Promise an outcome before underwriting sees the file.
02Why Arizona
Local costs decide local coverage
A national calculator gives the same answer everywhere. Arizona does not cooperate with that.
A rental in Arizona sits in the residential rental tax class rather than the primary residence class, so it loses the homeowner rebate a seller living in the house may have been getting, and it has to be registered with the county assessor. Landlord insurance prices roof age and hail exposure aggressively. Association dues sit in the coverage denominator, and association declarations decide whether a rental is allowed at all. Monsoon and wash flooding show up as premiums in places an out-of-state buyer would not look. In Flagstaff, snow load and heating do the same thing from the other direction.
That is the reason this site is about one state. The financing product is portable; the underwriting detail is not. A file that looks comfortable on national assumptions can be thin the moment the tax record and the insurance quote land in it.
We write about those details in the guides and on the market pages, because an investor who understands where the ratio comes from tends to make better offers — and better offers are easier to finance.
03Entity and licensing
Who you are actually dealing with
Required disclosure, reproduced verbatim.
DSCR Loan Arizona is a Loan Daddy LLC brand, NMLS 2827624.
Broker, not lender · Equal Housing OpportunityNMLS #2827624AZ 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.
NMLS consumer access is available at nmlsconsumeraccess.org. Entity and individual license records can be verified there, and on the Arizona Department of Insurance and Financial Institutions license lookup.
Full licensing detail, including the states we are licensed in and what each license permits, is on the licensing page.
04Contact
Talk to a person
Email reaches a broker, not a queue.
Write to quotes@loandaddy.ai or use the scenario form. Include the property address or area, the rent you expect, the purchase price or current loan balance, and what you are trying to accomplish. If you already have a lease, an insurance quote or a contractor bid, send it — more information means a more specific answer.
Run your Arizona scenario past a broker who works these numbers all week.
Tell us the address, the rent you expect and what you want to accomplish. We will show you which wholesale programs fit and what the file needs to get through underwriting.