Terms of Service

1. Agreement to Terms

By accessing or using the DSCR Loans website and services, you agree to be bound by these Terms of Service and all applicable laws and regulations. If you do not agree with any of these terms, you are prohibited from using or accessing this site. The materials contained in this website are protected by applicable copyright and trademark law.

2. Use License

Permission is granted to temporarily access the materials (information or software) on DSCR Loans' website for personal, non-commercial transitory viewing only. This is the grant of a license, not a transfer of title, and under this license you may not:

• Modify or copy the materials
• Use the materials for any commercial purpose or public display
• Attempt to decompile or reverse engineer any software contained on the website
• Remove any copyright or other proprietary notations from the materials
• Transfer the materials to another person or "mirror" the materials on any other server

This license shall automatically terminate if you violate any of these restrictions and may be terminated by DSCR Loans at any time.

3. Services Description

DSCR Loans provides information about Debt Service Coverage Ratio (DSCR) loans and related financial services for real estate investors. Our services include loan pre-qualification, DSCR calculations, loan application processing, and educational resources. We act as a loan broker and work with various lending partners to find suitable financing options for our clients.

4. Eligibility

To use our services, you must be at least 18 years old and have the legal capacity to enter into binding contracts. By using our services, you represent and warrant that you meet these eligibility requirements. Our loan products are intended for investment properties only and are not available for owner-occupied primary residences.

5. Loan Application Process

When you submit a loan application through our website:

• You agree to provide accurate, current, and complete information about yourself and the property
• You authorize us to verify the information you provide, including credit checks
• You understand that pre-qualification does not guarantee loan approval
• You acknowledge that final loan terms are subject to underwriting approval
• You agree to provide additional documentation as requested during the application process

6. Calculator Tools

The DSCR calculator and other tools on our website are provided for informational and educational purposes only. The results are estimates based on the information you provide and do not constitute a loan offer, commitment, or guarantee of any specific terms. Actual loan terms may vary based on underwriting review and market conditions.

7. Fees and Costs

Loan transactions may involve various fees and costs, including but not limited to origination fees, appraisal fees, title insurance, closing costs, and other charges. All applicable fees will be disclosed to you in writing before you commit to a loan. You are responsible for paying all fees associated with your loan application and closing.

8. Disclaimer

The materials on DSCR Loans' website are provided on an 'as is' basis. DSCR Loans makes no warranties, expressed or implied, and hereby disclaims and negates all other warranties including, without limitation, implied warranties or conditions of merchantability, fitness for a particular purpose, or non-infringement of intellectual property or other violation of rights. Further, DSCR Loans does not warrant or make any representations concerning the accuracy, likely results, or reliability of the use of the materials on its website.

9. Limitations

In no event shall DSCR Loans or its suppliers be liable for any damages (including, without limitation, damages for loss of data or profit, or due to business interruption) arising out of the use or inability to use the materials on DSCR Loans' website, even if DSCR Loans or a DSCR Loans authorized representative has been notified orally or in writing of the possibility of such damage.

10. Accuracy of Materials

The materials appearing on DSCR Loans' website could include technical, typographical, or photographic errors. DSCR Loans does not warrant that any of the materials on its website are accurate, complete, or current. DSCR Loans may make changes to the materials contained on its website at any time without notice.

11. Links

DSCR Loans has not reviewed all of the sites linked to its website and is not responsible for the contents of any such linked site. The inclusion of any link does not imply endorsement by DSCR Loans of the site. Use of any such linked website is at the user's own risk.

12. Governing Law

These terms and conditions are governed by and construed in accordance with the laws of the State of New York and you irrevocably submit to the exclusive jurisdiction of the courts in that State.

13. Modifications

DSCR Loans may revise these terms of service for its website at any time without notice. By using this website you are agreeing to be bound by the then current version of these terms of service.

14. Contact Information

If you have any questions about these Terms of Service, please contact us: