Privacy Policy

Who we are

DealRatio is a marketing and information service for real estate investors exploring DSCR (Debt Service Coverage Ratio) rental-property financing. We are not a lender, bank, or mortgage broker, do not take loan applications, and do not make credit or underwriting decisions. We connect interested investors with independent, third-party licensed lending partners who make all such decisions.

What we collect

Tool usage. The property details and scenarios you enter stay in your browser as you work. We may record anonymized, aggregate usage to improve the tools.

Information you submit. If you request financing or save a deal, you provide — with clear, explicit consent at that step, never before — your name, email, phone number, property address and details, estimated property value and rental income, requested loan amount, self-reported credit-score range, and entity/ownership structure.

Technical data. We automatically collect standard technical information (IP address, browser and device type, pages visited, referring URLs) via cookies and similar technologies.

How we use it

We use submitted information to connect you with the lending partner you ask to be matched with, to deliver estimates and alerts you request, and to operate and secure the service. We do not sell your personal information.

Sharing with lending partners

When you ask to be matched, your inquiry is delivered as a first-party, exclusivelead to a small number of matched DSCR lenders (never more than three) and is never resold to a broader network or lead-routing marketplace. This happens only after you consent, and only once your phone number is verified. Matched partners are independent businesses responsible for their own privacy practices, licensing, and compliance; we encourage you to review each partner’s own policy once they contact you.

Your consent to be contacted (TCPA)

When you submit the financing form with your phone number and check the marketing-consent box, you provide prior express written consent for DealRatio and the matched lending partner(s) to contact you at the number and email address you provided about DSCR and investment-property financing — by live agent, SMS/text message, pre-recorded or artificial voice message, and automated telephone dialing systems — even if that number is on a state or national Do-Not-Call registry. Consent is not a condition of any purchase. Message frequency varies; message and data rates may apply. You may revoke consent at any time through any reasonable method, including by replying STOP to a text, telling a caller to stop, or contacting us using the details below.

AI-generated and AI-assisted communications

Some calls, texts, or chat messages you receive after submitting the form may use artificial intelligence — including AI-generated or voice-cloned audio, automated conversational chatbots, or AI-assisted drafting of text messages. The FCC treats calls that use AI-generated voice technology the same as calls using an artificial or prerecorded voice under the TCPA, and the consent described above authorizes this kind of contact. Where a communication is generated or substantially assisted by AI, we and our partners will take reasonable steps to identify it as such upon request. Your right to revoke consent applies regardless of which company or system is contacting you.

California residents (CCPA/CPRA)

If you are a California resident, you have the right to know what personal information we collect, to request deletion of it (subject to certain exceptions), and to opt out of any “sale” or “sharing” of your personal information. To exercise these rights, visit our Do Not Sell or Share page or email us. We do not sell or share information relating to consumers we know are under 16 years old.

Other state residents

Depending on your state of residence, you may have additional rights regarding your personal information under applicable state privacy laws. Contact us using the details below to make a request.

Cookies & tracking

We use cookies and similar technologies for site functionality, analytics, and advertising (including retargeting). You can control cookies through your browser settings.

Data retention & security

We retain submitted information only for as long as reasonably necessary to fulfill the purposes in this policy and to meet legal obligations. Because we collect financial information (such as estimated property value, loan amount, and rental income) in connection with a financial-product inquiry, we maintain administrative, technical, and physical safeguards designed to protect it, consistent with data-security practices modeled on the Gramm-Leach-Bliley Act Safeguards Rule. No method of transmission or storage is 100% secure.

Your choices

You can decline to submit any personal information and still use every analysis tool. You may request access to or deletion of information you’ve submitted, and you can opt out of the sale or sharing of personal information at any time via our Do Not Sell or Share page.

Contact

Questions about this policy? Reach us at privacy@dealratio.com. Also see our Terms and Disclosures.