Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143
LoanOfficerBot — AI Loan Officer for Business-Purpose DSCR Lending Teams
TL;DR: LoanOfficerBot is an AI Loan Officer platform operated by Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143) that qualifies real estate investors 24/7, runs property and rental coverage analysis, compares scenarios across authorized wholesale lenders, and prepares structured quote packets for licensed loan officer review. Business-purpose investment property loans only; Loan Daddy LLC is a mortgage broker, not a lender.
How LoanOfficerBot Automates DSCR Intake & Qualification
- 24/7 Investor Intake: Captures property state, unit count, estimated value, gross monthly rent, and LLC vesting preferences in real time across web chat, SMS, and voice.
- Automated DSCR Coverage Math: Computes gross monthly rent divided by monthly PITIA (principal, interest, taxes, insurance, and association dues) and flags program eligibility considerations.
- Human-in-the-Loop Quote Packets: Matches scenarios against wholesale lender guidelines and routes structured quote packets to a licensed loan officer for review and approval before release.
- Built-In Compliance Guardrails: Enforces business-purpose non-owner-occupied gating, TCPA opt-in logging, STOP suppression, and broker-not-lender disclosures on every interaction.