Terms of Service

1. Acceptance of Terms

By accessing or using DSCRFinder.com (the "Site"), you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, you may not use the Site. These Terms constitute a legally binding agreement between you and DSCRFinder.com.

2. Description of Service

DSCRFinder.com is an independent online platform that provides educational content, comparison tools, and lead-matching services related to DSCR (Debt Service Coverage Ratio) mortgage loans for real estate investors. We are not a mortgage lender, mortgage broker, bank, or financial institution.

Our services include:

• DSCR loan information and educational content
• Lender comparison data and tools
• DSCR ratio calculator
• Lead-matching service connecting investors with DSCR lenders

3. Not Financial or Legal Advice

IMPORTANT DISCLAIMER: Nothing on this Site constitutes financial, investment, legal, or mortgage advice. All content is provided for informational and educational purposes only. You should consult with licensed professionals — including mortgage brokers, financial advisors, and attorneys — before making any financial or real estate investment decisions.

DSCRFinder.com does not guarantee any particular outcome, loan approval, interest rate, or investment return. Past performance does not guarantee future results. Real estate investing involves significant risk, including the potential loss of your entire investment.

4. Accuracy of Information

We make reasonable efforts to provide accurate and current information. However, lender rates, requirements, and programs change frequently. Information on this Site may be outdated, incomplete, or inaccurate. We make no warranties regarding the accuracy, completeness, or timeliness of any information on the Site.

Always verify loan terms, rates, and requirements directly with lenders before making decisions. Verify lender licenses at NMLS Consumer Access (nmlsconsumeraccess.org) before applying.

5. Affiliate Relationships & Compensation

DSCRFinder.com has affiliate relationships with certain lenders and lead marketplace platforms. When you click affiliate links or submit our lead forms, we may receive financial compensation from lender partners. This compensation may influence which lenders appear prominently on our Site.

We disclose this relationship and strive to provide unbiased, accurate information regardless of affiliate status. The presence or absence of an affiliate relationship does not constitute an endorsement or recommendation.

6. User Conduct

You agree not to:

• Submit false or misleading information in any forms
• Use the Site for any unlawful purpose
• Attempt to gain unauthorized access to any part of the Site
• Scrape or harvest data from the Site without permission
• Use the Site to send unsolicited communications
• Interfere with or disrupt the Site's operation

7. Intellectual Property

All content on this Site — including text, graphics, logos, images, and software — is the property of DSCRFinder.com or its content suppliers and is protected by applicable copyright and trademark laws. You may not reproduce, distribute, or create derivative works without express written permission.

8. Third-Party Links

This Site contains links to third-party websites, including lender websites. These links are provided for convenience only. We do not endorse, control, or take responsibility for the content, privacy practices, or products of third-party sites. Your use of third-party sites is at your own risk.

9. Limitation of Liability

TO THE MAXIMUM EXTENT PERMITTED BY LAW, DSCRFINDER.COM AND ITS AFFILIATES, OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OR INABILITY TO USE THE SITE OR ITS CONTENT.

IN NO EVENT SHALL OUR TOTAL LIABILITY TO YOU EXCEED $100. SOME JURISDICTIONS DO NOT ALLOW LIMITATIONS ON IMPLIED WARRANTIES OR EXCLUSION OF CERTAIN DAMAGES, SO SOME LIMITATIONS MAY NOT APPLY.

10. Indemnification

You agree to indemnify and hold harmless DSCRFinder.com, its affiliates, officers, directors, employees, and agents from any claims, damages, losses, or expenses (including attorney's fees) arising from your use of the Site, your violation of these Terms, or your violation of any third-party rights.

11. Governing Law & Dispute Resolution

These Terms shall be governed by the laws of the United States. Any disputes arising from these Terms or your use of the Site shall be resolved through binding arbitration in accordance with the American Arbitration Association rules, except that either party may seek emergency injunctive relief in court. You waive any right to a class action lawsuit or class-wide arbitration.

12. Changes to Terms

We reserve the right to modify these Terms at any time. Changes take effect upon posting to the Site. Your continued use of the Site after changes are posted constitutes acceptance of the revised Terms. We encourage you to review these Terms periodically.

13. Termination

We reserve the right to terminate or restrict your access to the Site at any time, without notice, for any reason, including violation of these Terms.

14. Contact

For questions about these Terms, contact us at legal@dscrfinder.com or visit our About page.