Terms of Service — LoanGod AI — God-Mode Underwriting for Sub-1.00x DSCR, Foreign National, ITIN, Layered LLCs & Condotels (loangod.ai)

Bottom Line Up Front: All calculators, DSCR matrices, and wholesale lender comparisons on loangod.ai are strictly for business-purpose, non-owner-occupied investment property financing and do not constitute a formal commitment to lend or a consumer Truth-in-Lending (TILA/RESPA) loan estimate.

1. Informational & Analytical Use Only

By accessing loangod.ai, you acknowledge that all interactive simulation outputs, API responses, and datasets are mathematical estimates subject to formal verification.

2. Business-Purpose Investment Lending Disclosure

loangod.ai is operated by Loan Daddy LLC (Company NMLS #2827624 · AZ CMB #CMB-2016143 · Managing Member & CEO and Responsible Individual: Stephen R. Mannenbach, J.D., MBA). All loan programs described are business-purpose commercial or investment property loans underwritten to property cash flow or asset value. Equal Housing Opportunity.