Terms of Service — LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets (loandaddy.app)

Bottom Line Up Front: All calculators, DSCR matrices, and wholesale lender comparisons on loandaddy.app are strictly for business-purpose, non-owner-occupied investment property financing and do not constitute a formal commitment to lend or a consumer Truth-in-Lending (TILA/RESPA) loan estimate.

1. Informational & Analytical Use Only

By accessing loandaddy.app, you acknowledge that all interactive simulation outputs, API responses, and datasets are mathematical estimates subject to formal verification.

2. Business-Purpose Investment Lending Disclosure

loandaddy.app is operated by Loan Daddy LLC (Company NMLS #2827624 · AZ CMB #CMB-2016143 · Managing Member & CEO and Responsible Individual: Stephen R. Mannenbach, J.D., MBA). All loan programs described are business-purpose commercial or investment property loans underwritten to property cash flow or asset value. Equal Housing Opportunity.