About
A refinance desk for landlords who think in decades
DSCR Refinance exists for one kind of conversation: an investor with rental debt that no longer fits, looking for a steadier structure.
What we do
We help owners of non-owner-occupied rental property restructure existing debt. That usually means one of three things: replacing a hard money or bridge loan with long-term financing once a property is stabilized; a rate-and-term refinance that changes the term, the payment structure or the borrowing entity; or bringing a scattered portfolio under a coordinated plan.
We are a mortgage broker, not a lender. We arrange and shop financing from wholesale lenders, compare their programs against your scenario, and walk you through the trade-offs. The lender you choose underwrites and provides the loan.
How we work
- Numbers first. We estimate the coverage ratio, payoff and leverage before anything is ordered, so you know where you stand.
- Calm timelines. When a maturity date is involved, we plan backward from it and tell you plainly if the timeline is tight.
- Honest “not yet”. If waiting is the better move, because of a prepayment step-down, seasoning or an unfinished renovation, we will say so.
- Business purpose only. We work exclusively on investment property that the borrower and their family will not occupy.
Who we are
DSCR Refinance is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a licensed mortgage brokerage. The loan officers who review your request are licensed through Loan Daddy LLC, and you can verify the company on the NMLS Consumer Access website.
DSCR Refinance is a Loan Daddy LLC brand, NMLS 2827624.
Broker, not lenderLoan Daddy LLC, NMLS #2827624 (nmlsconsumeraccess.org)AZ 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.
See full details on our licensing page, or start a refinance request.
Next step
Bring us the loan you have. We will show you the loans you could have.
Share your current balance, rent and maturity date. A Loan Daddy loan specialist will compare what wholesale lenders can offer for a business-purpose refinance and walk you through the trade-offs, without pressure.