What does our accessibility statement cover?
Our commitment to making dscrloanmarket.com usable by everyone, the standard we work toward, and how to request assistance or report a barrier. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- Our commitment to making dscrloanmarket.com usable by everyone, the standard we work toward, and how to request assistance or report a barrier.
- Every figure shown is an estimate for business-purpose investment property financing only — not an offer or commitment to lend.
- Simply Approved Mortgages is a licensed mortgage broker (NMLS #2620881), licensed for residential lending in Florida and Colorado and arranging business-purpose investor loans across our approved 37-jurisdiction footprint.
Last updated: 9/28/2026
Simply Approved Mortgages is committed to making this website usable by as many people as possible, including investors who use screen readers, keyboard-only navigation, magnification, or other assistive technology.
Standard we work toward
We aim to conform substantially with the Web Content Accessibility Guidelines (WCAG) 2.1 Level AA. That includes text alternatives for meaningful images, keyboard operability, visible focus states, sufficient color contrast, labeled form fields and calculator inputs, and content structured with proper headings and landmarks.
Ongoing effort
Accessibility is an ongoing process rather than a one-time project. We review new pages, calculators, and pricing tools as they are released, and we correct issues we find or that are reported to us. Some third-party content we embed — such as mapping widgets, scheduling tools, or lender-hosted portals — is outside our direct control, and its accessibility may vary. We do not represent or warrant that every page or feature is free of accessibility defects at all times.
Need help, or found a barrier?
If any part of this site prevents you from getting the information you need, we will provide the same information and the same service through another channel — by phone, email, or in an alternative format — at no additional cost to you. Call (877) 813-7219 or use our contact form and describe the page and the problem. We respond to accessibility requests as promptly as we reasonably can.
Equal Housing Opportunity
Simply Approved Mortgages does not discriminate on the basis of race, color, religion, national origin, sex, familial status, age (provided the applicant has the capacity to contract), disability, or because all or part of an applicant's income comes from a public assistance program.
Simply Approved Mortgages LLC | NMLS #2620881
Florida Branch Office (Miami, FL) | Branch NMLS #2688012
Florida Mortgage Broker License #MBR7685 | Colorado Mortgage Company Registration
Business Phone: (877) 813-7219
Broker identification. Simply Approved Mortgages LLC is a mortgage broker and is not a direct lender. We arrange loans with third-party wholesale lenders; we do not make the lender's final credit decision or fund the loan. We arrange residential mortgage loans in Florida and Colorado. Business-purpose loan products may be arranged in additional states only where permitted by applicable law and pursuant to applicable licensing requirements or exemptions.
Business-purpose use. DSCR and other investment-property loan products described on this site are intended for business-purpose, non-owner-occupied real estate transactions and are not intended for the purchase or refinance of a borrower's primary residence. Borrowers are responsible for accurately disclosing occupancy and intended use. Business-purpose loans may not receive all disclosures or protections that apply to consumer-purpose residential mortgage loans; documents and disclosures applicable to a particular transaction will be provided as required by law.
Credit and program terms. All loans are subject to lender credit approval, underwriting, acceptable appraisal or valuation, title review, insurance, and supporting documentation. Eligibility, programs, rates, points, fees, payments, terms, loan amounts, leverage, and availability may vary by borrower, guarantor, property, occupancy, credit profile, loan-to-value ratio, debt-service coverage ratio, lender, and state, and may change without notice. Not all applicants, properties, products, or programs will qualify or be available in every state. No information on this site constitutes a loan approval, rate lock, offer, commitment to lend, or guarantee of terms or closing.
Illustrations and calculators. Rates, payments, property values, rents, cash flow, loan amounts, closing costs, and other calculator or scenario results are estimates for educational and illustrative purposes only. Actual results may differ. Taxes, insurance, association dues, reserves, lender charges, broker compensation, third-party costs, prepayment provisions, and other transaction terms may apply. Complete terms and applicable compensation will be disclosed in the transaction documents required for the specific loan. Nothing on this site constitutes an appraisal or a guarantee of value, rent, occupancy, income, savings, investment performance, or future results.
No professional advice. Site content is general information and is not legal, tax, accounting, financial, or investment advice. Borrowers and investors should conduct their own due diligence and consult qualified professionals regarding their circumstances and the legal, tax, financial, and investment consequences of a transaction.
Fair lending. Equal Housing Opportunity. Simply Approved Mortgages LLC conducts business in accordance with applicable federal and state fair-housing and equal-credit-opportunity laws and does not discriminate on any prohibited basis.
Government and third-party content. Simply Approved Mortgages LLC is not affiliated with or endorsed by HUD, FHA, VA, USDA, or any other government agency. References and links to government data, agencies, third-party websites, lenders, products, or services are provided for information or convenience and do not imply approval, sponsorship, or endorsement. We do not control and are not responsible for third-party content, availability, accuracy, or privacy practices.
NMLS Consumer Access: Verify Simply Approved Mortgages LLC, NMLS #2620881.
How We Evaluate This Scenario
A DSCR file is judged on the property, not your tax returns: qualifying rent divided by PITIA — principal, interest, taxes, insurance, plus HOA and flood where they apply. Most programs use the lesser of the in-place lease rent and the appraiser's market rent, so a lease signed below market usually caps the ratio no matter how strong the comps look.
Three inputs move the outcome more than anything else: rent support on the appraiser's rent schedule (Form 1007 or 1025), the LTV tier, and the credit tier. Dropping leverage by five points or moving up a FICO band frequently changes pricing more than shopping a different lender does.
Before you write an offer, price taxes and insurance at post-sale levels rather than the seller's current bill. In reassess-on-transfer states and in coastal insurance markets, that single adjustment is the most common reason a deal that penciled at contract fails the ratio at underwriting.
Reviewed by Simply Approved Mortgages · NMLS #2620881. Business-purpose investor lending only.
Get your personalized investor loan quote
Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.
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You can change this any time.Tell us about your scenario
The form below is tailored to DSCR rental loan — only the questions your program needs.