What does our privacy policy cover?
How Simply Approved Mortgages collects, uses, and protects your information. Final eligibility, pricing, and terms are subject to a complete application, credit and property review, and full underwriting.
- How Simply Approved Mortgages collects, uses, and protects your information.
- 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 LLC ("we", "us") is a licensed mortgage broker. This policy explains what we collect through this website, why we collect it, who we share it with, and how you can reach us about it.
Information we collect
- Contact details you submit — name, email address, phone number, and mailing or entity address.
- Scenario and property information — subject property address, purchase price or estimated value, rents and operating expenses, loan purpose and amount, target leverage, and self-reported credit range.
- Entity information for business-purpose requests — LLC or corporation name, state of formation, and guarantor details.
- Rate quote selections — the option you clicked in the rate center, so your loan officer can see exactly what you were shown.
- Website and device data — pages viewed, referrer, approximate location, device and browser type, and analytics identifiers.
We do not collect Social Security numbers, dates of birth, or income documentation through this website. Those are only requested later, through a secure channel, if you choose to proceed to a formal application.
Why we collect it
- To respond to your inquiry and discuss loan scenarios with you.
- To obtain indicative pricing and, where you request it, to shop your scenario to wholesale lenders as your broker.
- To prepare pre-qualification summaries, rent and revenue estimates, and other reports you request.
- To meet recordkeeping, licensing, anti-fraud, and other legal obligations.
- To measure and improve our website.
Who we share it with
We are a broker, not a direct lender, so completing a request generally means sharing your information with wholesale lenders and investors so they can price and underwrite your scenario. We also use service providers that host our systems, send our email, run our analytics, and supply property, rent, and market data. Those providers may only use your information to perform services for us. We may also disclose information where required by law or to protect against fraud.
We do not sell your personal information, and we do not share it for cross-context behavioral advertising.
Financial privacy (GLBA)
As a mortgage brokerage we are a financial institution under the Gramm-Leach-Bliley Act. Nonpublic personal information you give us is collected, used, and disclosed only as described in this policy and as permitted by the GLBA Privacy Rule — principally to process, place, and service the loan request you asked us to shop. We maintain a written information security program under the GLBA Safeguards Rule covering access controls, vendor oversight, and disposal of records. We do not disclose nonpublic personal information about you to nonaffiliated third parties except as permitted by law or as needed to carry out your request.
Cookies and analytics
We use cookies and similar technologies to keep the site working, remember your calculator inputs, and measure traffic and page performance. You can block or delete cookies in your browser settings; some features, including saved quote selections, may stop working if you do. We do not use cookies to sell your information or to build cross-context behavioral advertising profiles.
Calls, texts, and email (TCPA)
When you submit a form or request a quote, you consent to be contacted about your inquiry at the phone number(s) and email address(es) you provide — including by live agent, prerecorded or artificial voice, SMS/MMS text, email, and AI-assisted voice or chat follow-up. Consent is not a condition of any loan or service. Message and data rates may apply. Reply STOP to any text to opt out of texts, use the unsubscribe link in any marketing email, or ask us in writing to place you on our internal do-not-call list.
Retention
We keep inquiry and loan file records for as long as needed to serve you and to satisfy applicable recordkeeping and licensing requirements, and then delete or de-identify them.
Your choices
You may ask us to access, correct, or delete the information you gave us, and you may unsubscribe from marketing email at any time using the link in any message. Depending on where you live, you may have additional rights under state privacy law. Call (877) 813-7219 or use our contact form and we will respond.
Security
We use administrative, technical, and physical safeguards designed to protect your information. No method of transmission or storage is completely secure, so please do not email sensitive documents to us unsolicited.
Contact
Questions about this policy? Call (877) 813-7219 or use our contact form.
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.
Pick a loan type
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.