Terms of Service

1. Acceptance of Terms

By accessing and using DSCRLoanExpert.com(the "Site"), you acknowledge that you have read, understood, and agree to be bound by these Terms of Service. If you do not agree with any part of these terms, you must immediately discontinue use of the Site.

2. Description of Services

DSCRLoanExpert provides an online platform designed to educate real estate investors about Debt Service Coverage Ratio (DSCR) loans. Our services include:

• Calculating estimated DSCR ratios based on user-provided data.
• Providing educational content regarding loan requirements.
• Informing users of potential lender matches for their property profile.

DISCLOSURE: DSCRLoanExpert is NOT a lender. We do not originate, underwrite, or fund loans. We are a marketing and lead-generation platform. Any loan transactions initiated after using our site are handled directly by third-party lending institutions.

3. User Responsibilities & Eligibility

By using this Site, you represent that:

• You are at least 18 years of age.
• The information you provide (address, income, credit score) is accurate to the best of your knowledge.
• You will not use the Site for any fraudulent or illegal activity.

Providing intentionally false information to obtain a loan is a serious offense and may result in the termination of your access to our services and reporting to authorities.

4. Intellectual Property

All content, tools, calculators, logos, and graphics on this Site are the intellectual property of DSCRLoanExpert or its licensors. You may use our calculators and guides for personal, non-commercial use only. Reproduction, modification, or distribution of our content without express written consent is strictly prohibited.

5. Disclaimer of Warranties

The information and tools provided on this Site are for educational purposes only. While we strive for accuracy, the loan rates, ratios, and terms displayed are estimates and are not guaranteed. Lenders may change their programs at any time.

DSCRLoanExpert provides the Site "as is" and disclaims all warranties, express or implied, including but not limited to the merchantability or fitness for a particular purpose.

6. Limitation of Liability

Under no circumstances shall DSCRLoanExpert, its owners, or employees be liable for any direct, indirect, or consequential damages resulting from your use of the Site or any loan transactions entered into with third-party lenders. You assume full responsibility for evaluating any financial product or lender match.

7. Third-Party Links & Interactions

Our site links to various third-party lenders. We do not endorse any specific lender, and we are not responsible for the content or quality of their services. Your interactions with these lenders are solely between you and the respective lender.

8. Governing Law

These Terms are governed by the laws of the State of Delaware (or the relevant jurisdiction of the brand), without regard to its conflict of law principles. Any disputes arising from these terms shall be resolved in the state or federal courts located within that jurisdiction.

9. Modification of Terms

We reserve the right to modify these Terms at any time. Changes will be effective immediately upon posting to the Site. Your continued use of the Site signifies your acceptance of the revised terms.