Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Commercial DSCR Investor Deal Desk
45+ Wholesale Credit Shelves · 51 Jurisdictions · mortgagebysteve.com

Verified DSCR, Fix & Flip & Multifamily Lender Directory

Compare verified direct and wholesale DSCR, Non-QM, RTL Fix-and-Flip, and 5–100+ unit commercial multifamily lenders on Mortgage by Steve — Direct DSCR, Bridge & Rental Portfolio Financing. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873) operates as an institutional wholesale brokerage shopping 45+ credit shelves side by side with zero retail lender lock-in.

Pinned Institutional Wholesale Desk · NMLS #2827624

Loan Daddy LLC — Stephen R. Mannenbach, J.D., MBA (NMLS #2549621)

6.125%–7.875% DSCR 30-Year Fixed · Up to 80% Purchase LTV · 75% Cash-Out LTV · 0.75x–1.25x+ DSCR · 1–4 Unit Rentals, AirDNA Short-Term Rentals & 5–100+ Unit Multifamily.

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1. Browse DSCR & Private Lenders by State (50 States + DC)

Alabama (AL) Lenders
Non-Judicial (Power of Sale) · 0.41% Avg Tax
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Alaska (AK) Lenders
Non-Judicial (Deed of Trust) · 1.19% Avg Tax
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Arizona (AZ) Lenders
Non-Judicial (Deed of Trust — 91-Day Trustee Sale) · 0.56% Avg Tax
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Arkansas (AR) Lenders
Non-Judicial (Statutory Foreclosure) · 0.62% Avg Tax
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California (CA) Lenders
Non-Judicial (Deed of Trust — Civil Code §2924) · 0.75% Avg Tax
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Colorado (CO) Lenders
Non-Judicial (Public Trustee System) · 0.51% Avg Tax
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Connecticut (CT) Lenders
Judicial (Strict Foreclosure or Foreclosure by Sale) · 1.96% Avg Tax
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Delaware (DE) Lenders
Judicial (Scire Facias Sur Mortgage) · 0.57% Avg Tax
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District of Columbia (DC) Lenders
Non-Judicial / Mediation Hybrid (Deed of Trust) · 0.85% Avg Tax
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Florida (FL) Lenders
Judicial (Circuit Court Foreclosure Action) · 0.86% Avg Tax
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Georgia (GA) Lenders
Non-Judicial (First Tuesday Power of Sale) · 0.87% Avg Tax
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Hawaii (HI) Lenders
Judicial (Primary) / Non-Judicial Statutory · 0.31% Avg Tax
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Idaho (ID) Lenders
Non-Judicial (Deed of Trust) · 0.63% Avg Tax
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Illinois (IL) Lenders
Judicial (Illinois Mortgage Foreclosure Law) · 2.08% Avg Tax
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Indiana (IN) Lenders
Judicial (3-Month Statutory Waiting Period) · 0.81% Avg Tax
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Iowa (IA) Lenders
Judicial (or Non-Judicial Voluntary Commercial) · 1.52% Avg Tax
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Kansas (KS) Lenders
Judicial (District Court Action) · 1.34% Avg Tax
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Kentucky (KY) Lenders
Judicial (Master Commissioner Sale) · 0.83% Avg Tax
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Louisiana (LA) Lenders
Judicial (Executory Process — Confessed Judgment) · 0.56% Avg Tax
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Maine (ME) Lenders
Judicial (or Commercial Corporate Power of Sale) · 1.24% Avg Tax
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Maryland (MD) Lenders
Quasi-Judicial (Order to Docket / Power of Sale) · 1.05% Avg Tax
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Massachusetts (MA) Lenders
Non-Judicial (Statutory Power of Sale + Land Court) · 1.17% Avg Tax
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Michigan (MI) Lenders
Non-Judicial (Foreclosure by Advertisement) · 1.38% Avg Tax
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Minnesota (MN) Lenders
Non-Judicial (Foreclosure by Advertisement) · 1.11% Avg Tax
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Mississippi (MS) Lenders
Non-Judicial (Deed of Trust Power of Sale) · 0.78% Avg Tax
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Missouri (MO) Lenders
Non-Judicial (Deed of Trust Trustee Sale) · 0.96% Avg Tax
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Montana (MT) Lenders
Non-Judicial (Small Tract Financing Act) · 0.79% Avg Tax
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Nebraska (NE) Lenders
Non-Judicial (Nebraska Trust Deeds Act) · 1.63% Avg Tax
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Nevada (NV) Lenders
Non-Judicial (NRS Chapter 107 Deed of Trust) · 0.55% Avg Tax
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New Hampshire (NH) Lenders
Non-Judicial (Statutory Power of Sale) · 1.93% Avg Tax
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New Jersey (NJ) Lenders
Judicial (Superior Court Chancery Division) · 2.23% Avg Tax
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New Mexico (NM) Lenders
Judicial (or Commercial Deed of Trust Act) · 0.76% Avg Tax
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New York (NY) Lenders
Judicial (RPAPL Article 13) · 1.64% Avg Tax
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North Carolina (NC) Lenders
Quasi-Judicial (Clerk of Court Hearing + 10-Day Upset Bid) · 0.78% Avg Tax
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North Dakota (ND) Lenders
Judicial (District Court Action) · 0.98% Avg Tax
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Ohio (OH) Lenders
Judicial (County Court of Common Pleas) · 1.48% Avg Tax
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Oklahoma (OK) Lenders
Judicial or Non-Judicial Power of Sale · 0.88% Avg Tax
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Oregon (OR) Lenders
Non-Judicial (Oregon Trust Deed Act) · 0.91% Avg Tax
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Pennsylvania (PA) Lenders
Judicial (Action in Mortgage Foreclosure) · 1.49% Avg Tax
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Rhode Island (RI) Lenders
Non-Judicial (Statutory Power of Sale) · 1.4% Avg Tax
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South Carolina (SC) Lenders
Judicial (Master-in-Equity Referral) · 0.56% Avg Tax
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South Dakota (SD) Lenders
Judicial or Non-Judicial Power of Sale (180-Day Redemption Waiver) · 1.17% Avg Tax
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Tennessee (TN) Lenders
Non-Judicial (Deed of Trust — 21-Day Publication) · 0.64% Avg Tax
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Texas (TX) Lenders
Non-Judicial (First Tuesday Deed of Trust — TX Prop. Code §51.002) · 1.68% Avg Tax
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Utah (UT) Lenders
Non-Judicial (Deed of Trust — 3-Month Notice of Default) · 0.57% Avg Tax
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Vermont (VT) Lenders
Judicial (Strict Foreclosure or Judicial Sale) · 1.83% Avg Tax
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Virginia (VA) Lenders
Non-Judicial (Deed of Trust Trustee Sale) · 0.8% Avg Tax
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Washington (WA) Lenders
Non-Judicial (Washington Deed of Trust Act — RCW 61.24) · 0.88% Avg Tax
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West Virginia (WV) Lenders
Non-Judicial (Deed of Trust Trustee Sale) · 0.57% Avg Tax
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Wisconsin (WI) Lenders
Judicial (6-Month Commercial / Non-Owner Redemption) · 1.61% Avg Tax
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Wyoming (WY) Lenders
Non-Judicial (Foreclosure by Advertisement & Sale) · 0.58% Avg Tax
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2. Browse Counterparty Directory by Category (10 Verticals)

Direct DSCR & Private Money Lenders

Verified balance-sheet and private lenders that fund DSCR 1–4 unit, STR/Airbnb, 5+ unit multifamily, and portfolio rental loans.

Wholesale & TPO DSCR Lenders

Institutional wholesale & TPO lenders that originate DSCR and rental investment loans through approved mortgage brokers.

DSCR & Commercial Mortgage Brokerages

Investment property mortgage brokerages that shop 45+ wholesale DSCR shelves side by side for rental investors.

DSCR Mortgage Brokers & Loan Officers

Individual licensed mortgage brokers and loan officers specializing in DSCR and investor property loans.

DSCR Wholesale Account Executives

Verified wholesale account executives linked directly to the DSCR wholesale & TPO lenders they represent.

Third-Party DSCR Loan Processing Companies

Contract (third-party) loan processing companies experienced with ARIVE, DSCR leases, and LLC entity documentation.

LLC-Friendly Investor Title & Escrow Companies

Title insurance, escrow, and closing attorney firms experienced with LLC vesting, Series LLCs, and DSCR rental closings.

Form 1007 / 1025 DSCR Appraisal Management Companies (AMCs)

Appraisal management companies approved across wholesale DSCR lenders for Form 1007 rent schedules, Form 1025 2–4 unit appraisals, and STR/AirDNA valuations.

Investor-Friendly Realtors & Real Estate Brokerages

Licensed real estate agents and brokerages across all 50 states + DC working with rental property, BRRRR, and STR/Airbnb investors.

Landlord & DSCR Property Insurance Providers

Insurance agencies writing landlord DP-3, rent-loss, replacement cost (RCV), and commercial habitational policies required for DSCR closings.

3. Compare Lenders by Loan Program (10) & Rankings (8)

Compare DSCR Loans Lenders (Up to 80% LTV Purchase / 75% Cash-Out) →Compare Hard Money Loans Lenders (Up to 85%–90% LTC / 75% ARV) →Compare Private Money Loans Lenders (Up to 80% LTV / 85% LTC) →Compare Fix & Flip Loans Lenders (Up to 90% Purchase + 100% Rehab (75% ARV Cap)) →Compare Bridge Loans Lenders (Up to 80% LTV Acquisition / 75% Bridge Cash-Out) →Compare Ground-Up Construction Lenders (Up to 85% LTC / 70%–75% Completed ARV) →Compare Multifamily (5+ Units) Lenders (Up to 75%–80% LTV Purchase / 70%–75% Cash-Out) →Compare Commercial Property Lenders (Up to 75% LTV) →Compare Rehab & BRRRR Loans Lenders (Up to 85%–90% LTC + 100% Rehab Escrowed) →Compare Cash-Out Refinance Lenders (Up to 75% LTV Cash-Out (Select 80% LTV Tiers)) →
Verified DSCR, Non-QM & Private Money Lenders Directory (2026) | Mortgage by Steve — Direct DSCR, Bridge & Rental Portfolio Financing