Licensing, identification and scope.

Identification

DSCR Loans Colorado is a Loan Daddy LLC brand, NMLS 2827624.

• Broker, not lender
• 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.

What the licenses cover

Licensing requirements for business-purpose commercial mortgage brokerage vary by state. Where a state requires a license for the activity described here, the company holds it or does not conduct that business in that state. The authoritative record is the national registry entry for NMLS #2827624 — check it before you rely on any statement about where a company may operate.

The licenses identified above are for commercial and business-purpose mortgage brokerage. They do not authorize residential mortgage loan origination for consumers, and this site does not offer it.

Why business purpose matters

Consumer mortgage regulation exists to protect people borrowing for a home they will live in. A loan on a rental property held as a business asset sits in a different category, with different disclosures and different underwriting. The line is occupancy, not the property type: the same fourplex is a business-purpose asset when it is rented to tenants and a consumer mortgage when the borrower lives in one unit.

We only work on the business-purpose side. Every request we take is for non-owner-occupied investment property, and we decline requests where the borrower or their family intends to occupy the property. If you are looking for a loan on a home you will live in, a licensed residential mortgage professional in your state is the right call.

Broker, not lender

We arrange and shop financing from wholesale lenders. We do not underwrite the loan in our own name, we do not make the credit decision, and we do not advance funds. The lender makes the loan and sets the terms, which are subject to underwriting and lender/investor approval and can change until locked.

What we are responsible for is the file: making sure the property facts are right before an appraisal is ordered, presenting the scenario honestly, and telling you when a property does not support the loan you want.

Verify us

• NMLS Consumer Access: nmlsconsumeraccess.org — search NMLS #2827624.
• Company: Loan Daddy LLC.
• Brand: DSCR Loans Colorado.
• Questions or complaints about this brand: quotes@loandaddy.ai.