Licenses & Disclosures
Effective June 14, 2026
NightYield is a brand and trade name of Misc Holdings Ltd., a Wyoming for-profit corporation (Wyoming filing ID 2023-001206048). We are a marketing and lead-referral service for business-purpose short-term-rental investment loans. This page summarizes our regulatory posture and the disclosures that apply to our advertising and lead-generation activities.
1. Nature of our service
We provide informational tools, editorial content, and advertising/lead-generation services. At your request and with your consent, we refer your inquiry to independent third-party lenders that may offer financing. We are an advertiser and lead generator, not a party to any loan.
2. Not a lender, broker, or loan originator
We are not a mortgage lender, mortgage broker, mortgage banker, correspondent lender, or NMLS-licensed mortgage loan originator, and we are not required to hold such licenses because we do not engage in licensable mortgage-origination or brokering activity: we do not take loan applications, offer or negotiate loan terms, make credit decisions, or fund loans. The independent lenders to whom you may be referred make all credit decisions and hold their own licenses and registrations as applicable (including NMLS where required).
3. Business-purpose loans only
The financing described through the Services consists of business-purpose loans secured by non-owner-occupied investment real property. These are not consumer-purpose mortgage loans, and consumer mortgage disclosures (such as TILA/RESPA integrated disclosures for consumer credit) do not apply to them.
4. How we are compensated (RESPA Section 8)
We are paid a fair-market-value marketing fee by our lending/marketing partners for bona fide advertising and lead-generation services actually performed. Our compensation is for marketing services, not a referral fee, kickback, or thing of value given or received in exchange for the referral of settlement-service business, and it is not contingent on whether any particular loan closes — consistent with the marketing-services discipline under Section 8 of the Real Estate Settlement Procedures Act and its implementing regulation. See How We Make Money.
5. Telephone-consumer-protection (TCPA) and consent
Where you ask to be contacted, we obtain your prior express written consent on a separate, conspicuous, unchecked disclosure, and we document that consent (including the disclosure shown, the date and time, your IP address, and the page URL) using a third-party consent-certification provider. Consent is not a condition of any purchase, and you may revoke it at any time by replying STOP or by contacting us. See our SMS/Messaging Terms.
6. Financial-privacy (GLBA) and consumer-privacy compliance
We maintain a financial-privacy program consistent with the Gramm-Leach-Bliley Act and provide a GLBA Privacy Notice, and we honor applicable state consumer-privacy rights (including the CCPA/CPRA and comparable state laws). See our Privacy Policy and California Privacy Policy.
7. State registration and availability
Where a state requires registration of commercial lead generators, telemarketers, or advertisers, we register and comply as required by that state’s law. The Services and any referral may not be available in every state, and availability may change. We do not advertise or refer inquiries in any jurisdiction where doing so would require a license we do not hold or would otherwise be unlawful.
8. No guarantee; illustrative data
We do not guarantee that you will qualify for, be offered, or obtain any loan, or that any property may be legally operated as a short-term rental. Rates, revenue projections, DSCR figures, and legality statuses are estimates for illustrative purposes, are stamped with an “as of” date, and are verified independently by lenders and by the relevant jurisdiction.
9. Entity information
Misc Holdings Ltd., a Wyoming for-profit corporation. Principal office: 228 Park Avenue South, PMB 37100, New York, NY 10003. Registered agent for service of process: Legalinc Corporate Services Inc., 5830 E 2nd St, Ste 8, Casper, WY 82609.
Related