Terms of Use

1. Acceptance of these terms

By visiting dscrloandirect.com or go.dscrloandirect.com, submitting a form, or communicating with us through these sites, you agree to these Terms of Use and to our Privacy Policy. If you do not agree, please don't use the sites.

2. Who we are

DSCR Loan Direct is a brand used by Nationwide Fair Lending, a licensed mortgage broker, Company NMLS #1367285. We arrange loans with third-party lenders and do not fund loans. Loan origination is performed by Zack Nawabi, NMLS #1025065, under Nationwide Fair Lending's licensing. Verify licensing at nmlsconsumeraccess.org.

3. No offer of credit

All program parameters, ratios, leverage figures, loan amounts, reserve requirements, and timelines described are illustrative typical ranges set by third-party lenders and are subject to change without notice. Actual terms depend on credit, property, program, occupancy, loan amount, state, and market conditions, and are subject to full underwriting, appraisal, and approval. Not all applicants will qualify.

4. Calculators and estimates

The deal solver and any other calculators are educational estimating tools. They run in your browser and produce results based only on the figures you enter, including a rate assumption you supply yourself. That rate field is not a quoted or available rate.

Results do not reflect underwriting, vacancy, maintenance, management, closing costs, lender fees, or any lender's specific guidelines, and must not be relied upon as an indication of eligibility, pricing, or investment returns. Verify all figures independently before making any financial decision.

5. Business-purpose loans only

All loans described on these sites are business-purpose loans made solely for non-owner-occupied investment property. They are not available for the purchase or refinance of a primary residence or second home, and are exempt from certain consumer mortgage disclosure requirements. If you intend to occupy the property, these programs are not available to you.

6. Eligibility and licensing

You must be at least 18 years old and legally able to enter contracts. Loan availability varies by state and we are not licensed in all states. Several states require title to be held in an LLC or corporation for a loan to close as business purpose, and some restrict prepayment terms or apply different rules above four units. Nothing on these sites should be taken as a representation that we can lend in your state or on your property.

7. Calls, emails, and text messages

If you provide your phone number and check the applicable consent box, you agree we may contact you at that number by phone, email, and SMS about your inquiry, including by automated means. Consent is never a condition of obtaining a loan or of any other service we provide, and consent boxes are never pre-checked. You must be at least 18 years old to enroll in our text messaging program.

Our SMS program

We operate two separate text messaging programs, each with its own consent box, so you can choose one, both, or neither:

• Transactional and informational messages — messages about the specific inquiry you submitted: acknowledgment that we received it, requests for property details needed to review your scenario, scheduling and appointment coordination, document requests, and loan status updates on an active file.
• Marketing and promotional messages — rate updates, new loan programs, and promotional offers. This consent is entirely optional and you can decline it while still working with us.

Frequency, rates, and carrier liability

Message frequency varies based on your inquiry and the stage of your file. Message and data rates may apply depending on your carrier and mobile plan. Carriers are not liable for delayed or undelivered messages. Delivery is not guaranteed and depends on your carrier, device, and network conditions.

How to opt out or get help

Reply STOP to any text message to opt out of that program. You may also reply UNSUBSCRIBE, CANCEL, END, or QUIT. You will receive one confirmation message and no further texts from that program. Reply HELP for assistance, or contact us at (818) 621-9666 or zack@dscrloandirect.com.

We do not sell, rent, or share your phone number with third parties for their own marketing purposes. Full details on how we handle phone numbers are in our Privacy Policy.

Please don't send Social Security numbers, account numbers, or other sensitive personal information by email or text. Those channels aren't secure.

8. Acceptable use

You agree not to:

• Submit false, misleading, or someone else's information
• Submit a phone number you are not authorized to provide
• Use automated means to scrape, harvest, or overload the sites
• Attempt to gain unauthorized access to any system or account
• Interfere with the operation or security of the sites
• Use the sites for any unlawful purpose

9. Intellectual property

The content, design, text, graphics, and code on these sites are owned by us or our licensors and protected by copyright and other laws. You may view and print pages for your own personal or internal business use. You may not reproduce, republish, or use our content commercially without written permission.

10. Third-party links and services

Our sites may link to or embed third-party services, including our CRM, form, and scheduling tools. We aren't responsible for the content, accuracy, or practices of third-party sites, and a link is not an endorsement. Your use of a third-party service is governed by that party's terms and privacy policy.

11. No professional advice

Nothing on these sites is legal, tax, accounting, or investment advice. Real estate investing carries risk, including the risk of loss. Entity structure, tax treatment, and whether a property is a suitable investment are questions for your own CPA, attorney, and advisors — not your loan officer.

12. Disclaimer of warranties

The sites and their content are provided "as is" and "as available," without warranties of any kind, express or implied, including merchantability, fitness for a particular purpose, and non-infringement. We don't warrant that the sites will be uninterrupted, error-free, or that content is accurate, complete, or current. Guidelines and market conditions change frequently.

13. Limitation of liability

To the fullest extent permitted by law, we are not liable for any indirect, incidental, special, consequential, or punitive damages, or for lost profits, lost deals, or lost data, arising from your use of the sites or reliance on their content — including reliance on any calculator output. Some jurisdictions don't allow certain limitations, so parts of this may not apply to you.

14. Governing law

These terms are governed by the laws of the State of California, without regard to conflict of law principles. Any dispute will be brought in the state or federal courts located in Orange County, California, and you consent to that jurisdiction. Nothing here limits any right you have to file a complaint with a state or federal regulator.

15. Changes to these terms

We may update these terms at any time. Changes take effect when posted, and the date below will change. Continuing to use the sites after an update means you accept the revised terms.

16. How to reach us

DSCR Loan Direct
Nationwide Fair Lending · Company NMLS #1367285
17341 Irvine Blvd, Ste 150
Tustin, CA 92780

Phone: (818) 621-9666
Email: zack@dscrloandirect.com

Last updated: August 17, 2026
Effective date: August 17, 2026