LOAN DADDY LLC DSCRCalculator.com · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873
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DSCRCalculator.com · ALL 10 WHOLESALE LOAN VERTICALS & 6 UNIT TIERS

10 Business-Purpose Real Estate Investor Loan Programs

Bottom Line Up Front (BLUF): DSCRCalculator.com, published by Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143), models and arranges 10 wholesale business-purpose investment property loan programs and 6 dedicated unit-count brackets (1–4, 5–8, 5–9, 5–10, 5–25, and 5+ Units) across all 50 U.S. states and Washington, D.C.
DSCR LOANS

DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units)

Debt Service Coverage Ratio (DSCR) loans qualify real estate investors strictly on the subject property’s rental cash flow (DSCR = Monthly Rent ÷ Monthly PITIA for 1–4 units, or Annual NOI ÷ Debt Service for 5+ units) rather than personal W-2s or federal tax returns. Loan Daddy LLC (NMLS #2827624) underwrites 1–4, 5–8, 5–9, 5–10, 5–25, and 5+ unit properties up to 80% LTV nationwide.

Max Leverage: Up to 80% LTV Purchase / 75% Cash-Out
Turn Time: 14 – 21 Business Days
HARD MONEY LOANS

Hard Money Loans (Fast Asset-Based Acquisition & Bridge)

Hard money loans provide rapid, asset-backed acquisition and renovation capital for real estate investors purchasing distressed, auction, off-market, or value-add properties. Underwritten on After-Repair Value (ARV) and equity rather than bank DTI rules, hard money loans through Loan Daddy LLC close in as little as 5 to 10 business days.

Max Leverage: Up to 85%–90% LTC / 75% ARV
Turn Time: 5 – 10 Business Days
PRIVATE MONEY LOANS

Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital)

Private money loans connect real estate investors with non-bank private debt funds, family-office capital, and balance-sheet lenders for time-sensitive acquisitions, partner buyouts, cross-collateralized equity unlocks, and non-conforming investment properties across 1–4 unit and 5+ unit commercial assets.

Max Leverage: Up to 80% LTV / 85% LTC
Turn Time: 7 – 12 Business Days
FIX & FLIP LOANS

Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing)

Fix and flip loans finance both the distressed property purchase (up to 85%–90% of purchase price) and 100% of the renovation budget via milestone draw reimbursements, capped at 70%–75% of After-Repair Value (ARV). Interest is charged only on disbursed funds on select wholesale shelves, with zero prepayment penalty upon resale or DSCR refinance.

Max Leverage: Up to 90% Purchase + 100% Rehab (75% ARV Cap)
Turn Time: 7 – 10 Business Days
MULTIFAMILY (5+ UNITS)

Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing)

Multifamily loans through Loan Daddy LLC (NMLS #2827624) cover every apartment unit bracket—including 5–8 unit residential crossover DSCR, 5–9 and 5–10 unit small-balance apartments, 5–25 unit mid-market buildings, and 5+ unit commercial communities—offering both permanent 30-year fixed financing and value-add bridge-to-perm capital.

Max Leverage: Up to 75%–80% LTV Purchase / 70%–75% Cash-Out
Turn Time: 21 – 30 Business Days
REHAB & BRRRR LOANS

Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR)

Investor rehab loans are engineered for the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy—funding up to 90% of purchase and 100% of renovation costs, then transitioning into a 75% LTV 30-year fixed DSCR cash-out refinance as soon as work is complete and the property is leased.

Max Leverage: Up to 85%–90% LTC + 100% Rehab Escrowed
Turn Time: 7 – 12 Business Days
CASH-OUT REFINANCE

Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units)

Investor DSCR cash-out refinance loans let property owners pull tax-free equity out of appreciated or recently renovated 1–4 unit rentals and 5–25+ unit multifamily properties up to 75% LTV—using only the property’s rental coverage ratio with zero personal tax returns and accelerated 90-to-180 day title seasoning options.

Max Leverage: Up to 75% LTV Cash-Out (Select 80% LTV Tiers)
Turn Time: 14 – 21 Business Days
Live Wholesale PPE & DSCR Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

Price/Door: $450,000·Loan/Door: $337,500·Avg Rent/Door: $3,400/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
Canonical: 127 bps · 7500 bps LTV · 6625 bps Rate
1.27x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$337,50033,750,000 _cents
Monthly P&I Debt Service$2,161/mo@ 6.625% Note Rate
Total Monthly PITIA$2,675/moTax: $356 · Ins: $158
Net Monthly Cash Flow+$725/mo$8,702/yr net
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
Execution OptionPrepay StructureEst. Note RatePrepay Price CreditMonthly Debt ServiceDSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)5-4-3-2-16.625%-100 bps (-1.000 pt)$2,675/mo1.27x
Option B: Balanced Par (36-Mo Stepdown)3-2-16.875%-75 bps (-0.750 pt)$2,731/mo1.25x
Option C: Max Cash Flow (10-Yr Interest-Only)3-2-1 IO7.000%+38 bps IO LLPA$2,483/mo1.37x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.
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