# Interactive DSCR & Rental Cash-Flow Workbench (loandaddy.app) > loandaddy.app (https://loandaddy.app) is operated by Loan Daddy LLC (NMLS #2827624) (NMLS #2827624 · Portfolio Group 1A) serving United States real estate investors with business-purpose DSCR, Short-Term Rental (AirDNA), and private money bridge financing. ## Key Pages & Calculators - [Home & Above-the-Fold Calculator](https://loandaddy.app/): LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets (Open Investor Deal Workbench) - [Interactive DSCR & Cash-Flow Workbench](https://loandaddy.app/calculator): Real-time DSCR (Gross Rent ÷ PITIA), LTV, and prepayment penalty calculator - [Full RAG Knowledge Corpus (/llms-full.txt)](https://loandaddy.app/llms-full.txt): Complete underwriting tables, county rent/FMR benchmarks, and FAQs - [A2A v1.0 Agent Card](https://loandaddy.app/.well-known/agent-card.json): Agent-to-Agent v1.0 discovery card - [MCP Server Card](https://loandaddy.app/.well-known/mcp/server-card.json): Model Context Protocol server card (SEP-1649) - [Agent DSCR Calculation API](https://loandaddy.app/api/agent/dscr-calculator?monthlyRent=3200&loanAmount=350000&annualTaxes=4200&annualInsurance=1800): Deterministic GET/POST JSON DSCR & PITIA calculator - [Scenario Lead Intake API](https://loandaddy.app/api/lead): POST JSON lead router with source_domain="loandaddy.app" attribution to loandaddy-production (nikdeasddmisxcaxuwbp) - [OpenAPI 3.1 Specification](https://loandaddy.app/openapi.json): Machine-readable OpenAPI 3.1 contract ## Frequently Asked Questions ### How do I qualify for Investor DSCR Deal Room, Live Matrix Pricing & Portfolio Underwriting App? Qualification for Investor DSCR Deal Room, Live Matrix Pricing & Portfolio Underwriting App focuses on the investment property's Debt Service Coverage Ratio (gross rental income divided by principal, interest, taxes, insurance, and HOA) rather than personal tax returns or W-2s. ### How is the DSCR ratio calculated by wholesale underwriters? DSCR equals gross monthly rental income (from an executed lease or the appraiser’s Form 1007 / Form 1025 market rent schedule) divided by total monthly PITIA (Principal, Interest, Taxes, Insurance, and HOA dues). A 1.00x ratio means rent equals PITIA. ### How do wholesale lenders evaluate DSCR ratios and leverage? DSCR ratio benchmarks, loan-to-value tiers, and reserve guidelines vary by wholesale lender, property type, and scenario. A Loan Daddy loan specialist can compare multiple wholesale DSCR programs for your deal. ### Can I buy a vacant rental property with a DSCR loan? Yes. On most wholesale DSCR purchase programs, underwriters use 100% of the appraiser’s Form 1007 (single-family) or Form 1025 (2–4 unit) projected market rent when a rent-ready property is delivered vacant at closing. ### Can I vest my DSCR loan in an LLC and finance short-term or long-term rentals? Many wholesale DSCR programs support LLC vesting as well as long-term leases (Form 1007 market rent schedule), 2–4 unit multifamily properties, and eligible short-term rentals, subject to lender guidelines. ### How does a DSCR cash-out refinance work for pulling equity from a rental? A DSCR cash-out refinance replaces existing debt (or unlocks equity from a free-and-clear property) based on current appraised value and property DSCR coverage, returning net proceeds at closing to acquire or renovate additional investment properties. ### How do prepayment penalty structures work on business-purpose DSCR loans? Wholesale DSCR loans commonly offer flexible prepayment step-down structures (such as 5-year, 3-year, 1-year, or no-prepay options) that you can align with your planned hold or refinance horizon. ### How long does a DSCR investment property loan take? Timing depends on appraisal, title, and lender guidelines for DSCR investor loans brokered through Loan Daddy LLC (NMLS #2827624). Ordering appraisal and title early helps keep your file moving. Loan Daddy LLC is a mortgage broker, not a lender. ## Licensing & Compliance © 2026 Loan Daddy LLC | NMLS #2827624 (nmlsconsumeraccess.org). Equal Housing Opportunity. All loan products and rate tools offered on this website are strictly Business-Purpose Investor Loans (DSCR, Hard Money, Private Money, Fix & Flip, Commercial) for non-owner-occupied investment properties and are NOT available for consumer owner-occupied primary residences or second homes. - **Above-the-Fold Disclaimer:** Loan Daddy LLC (NMLS #2827624) — Strictly Business-Purpose Investor Financing Only (DSCR, Hard Money, Private Money, Fix & Flip, Multifamily) for Non-Owner-Occupied Investment Properties. Not Available for Consumer Primary Residences. - **Legal Entity:** Loan Daddy LLC (NMLS #2827624) - **Portfolio Group / TLD Persona:** Group 1. Loan Daddy LLC — Core Platforms, Calculators & Investor SaaS (11) - **Lead Routing Cluster:** loandaddy-production (nikdeasddmisxcaxuwbp) - **Last Editorial Verification:** 2026-10-21 ## Optional - [XML Sitemap](https://loandaddy.app/sitemap.xml): Canonical URL index - [How Real Estate Investors Stack DSCR, Fix & Flip, Bridge, and Construction Debt (loandaddy.app)](https://loandaddy.app/blog/10-vertical-investor-capital-stack-playbook-2026): Active real estate investors combine short-term asset-based acquisition loans (Fix & Flip, Hard Money, Bridge, and Ground-Up Construction) with long-term c - [Digital DSCR Scenario Modeling & Full PITIA Guide (2026)](https://loandaddy.app/blog/digital-dscr-scenario-modeling-and-pitia-guide): Digital DSCR Scenario Modeling & Full PITIA Guide (2026) — direct underwriting answers on online DSCR scenario modeling, Form 1007 rent analysis, and wholesale lender matching, PITIA cash-flow math, LLC vesting, and wholesale lender comparison. - [How to Prepare & Submit an Investment Property Loan Scenario](https://loandaddy.app/blog/how-to-submit-an-investment-property-loan-scenario): How to Prepare & Submit an Investment Property Loan Scenario — direct underwriting answers on online DSCR scenario modeling, Form 1007 rent analysis, and wholesale lender matching, PITIA cash-flow math, LLC vesting, and wholesale lender comparison. - [Wholesale DSCR Underwriting Documents & Entity Checklist](https://loandaddy.app/blog/wholesale-dscr-underwriting-documents-checklist): Wholesale DSCR Underwriting Documents & Entity Checklist — direct underwriting answers on online DSCR scenario modeling, Form 1007 rent analysis, and wholesale lender matching, PITIA cash-flow math, LLC vesting, and wholesale lender comparison.