Hard Money Loans (Fast Asset-Based Acquisition & Bridge) offer Up to 85%–90% LTC / 75% ARV across loan amounts of $100,000 – $15,000,000+ at 9.25% – 11.50% Interest-Only (6, 12, 18 & 24 Months Interest-Only, 600 – 640+ FICO (Asset-Backed) min FICO, 5 – 10 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on Mortgage by Steve — Direct DSCR, Bridge & Rental Portfolio Financing.
| Credit-Box Parameter | Loan Daddy Wholesale Desk (45+ Shelves) | Typical Single-Shelf Direct Lender | Community Bank / Portfolio Bank |
|---|---|---|---|
| Max Leverage / LTC | Up to 85%–90% LTC / 75% ARV | 5%–10% Lower on Exceptions | 65%–70% Max LTV |
| 2026 Rate Band | 9.25% – 11.50% Interest-Only | +37.5 to +87.5 bps Retail Margin | Floating WSJ Prime + Spread |
| Loan Amount Range | $100,000 – $15,000,000+ | $150K–$3M Cap | Local Footprint Only |
| Tax Returns / DTI Required | None (Asset Cash-Flow Only) | None | 2 Years Full Tax Returns + Global DTI |
| Target Closing Speed | 5 – 10 Business Days | 21–30 Days | 45–60 Days |