The name says what we do

What we do

DSCR Loans Texas helps real estate investors finance rental property in Texas with DSCR loans — business-purpose mortgages qualified on the property’s rent rather than the investor’s personal income. We are a brand of Loan Daddy LLC, a licensed mortgage broker.

Being a broker is the whole point. We do not lend our own money and we do not have one in-house program to push. We arrange financing by shopping your scenario with wholesale lenders that offer DSCR programs, then lay the options side by side so you can pick the one that fits your deal and your plans.

How we work

• Numbers first. We run the full payment — Texas taxes, insurance, HOA — before anyone pulls credit or orders an appraisal.
• Straight talk. If a deal does not pencil, we will tell you, and tell you what would have to change.
• No teaser rates. We do not advertise rates. Pricing depends on your deal and the market on the day you lock, so we show real options once we know the scenario.
• Investors only. We arrange business-purpose loans for non-owner-occupied investment property. If you plan to live in the home, we are not the right fit.

Who we work with

First-time investors buying a single rental, landlords with a dozen doors spread across three counties, short-term rental hosts in the Hill Country, and out-of-state buyers who like Texas math. If the property is a rental and you want it financed on what it earns, we want to see it.

Licensing and transparency

Loan Daddy LLC is a mortgage broker, NMLS #2827624. You can look up our licensing on NMLS Consumer Access and on our licensing page.