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

mortgagebysteve.com Wholesale Investor Desk · ALL 10 WHOLESALE LOAN VERTICALS & 6 UNIT TIERS

10 Business-Purpose Real Estate Investor Loan Programs

Bottom Line Up Front (BLUF): mortgagebysteve.com Wholesale Investor Desk (mortgagebysteve.com), published by Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143), 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
Loan Range: $100,000 – $15,000,000+
Typical Closing: 14 – 21 Business Days
View DSCR Loans Underwriting Matrix →
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
Loan Range: $100,000 – $15,000,000+
Typical Closing: 5 – 10 Business Days
View Hard Money Loans Underwriting Matrix →
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
Loan Range: $100,000 – $15,000,000+
Typical Closing: 7 – 12 Business Days
View Private Money Loans Underwriting Matrix →
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)
Loan Range: $100,000 – $15,000,000+
Typical Closing: 7 – 10 Business Days
View Fix & Flip Loans Underwriting Matrix →
BRIDGE LOANS

Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial)

Real estate bridge loans provide transitional interest-only financing to acquire vacant or under-market properties, complete value-add lease-up on 5–25+ unit apartments, execute 1031 exchanges, or unlock equity prior to refinancing into a long-term 30-year fixed DSCR loan.

Max Leverage: Up to 80% LTV Acquisition / 75% Bridge Cash-Out
Loan Range: $100,000 – $15,000,000+
Typical Closing: 10 – 15 Business Days
View Bridge Loans Underwriting Matrix →
GROUND-UP CONSTRUCTION

Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent)

Ground-up construction loans finance infill spec homes, luxury rebuilds, ADU/casita additions, 2–4 unit townhomes, and 5–25+ unit build-to-rent communities up to 85% Loan-to-Cost (LTC), crediting verified land equity toward the builder’s down payment requirement.

Max Leverage: Up to 85% LTC / 70%–75% Completed ARV
Loan Range: $100,000 – $15,000,000+
Typical Closing: 14 – 21 Business Days
View Ground-Up Construction Underwriting Matrix →
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
Loan Range: $100,000 – $15,000,000+
Typical Closing: 21 – 30 Business Days
View Multifamily (5+ Units) Underwriting Matrix →
COMMERCIAL PROPERTY

Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office)

Commercial property loans provide non-bank DSCR and bridge financing for mixed-use buildings, small-bay industrial warehouses, neighborhood retail strips, medical/professional office, and self-storage facilities from $250,000 to $15,000,000+ without restrictive commercial bank depository requirements.

Max Leverage: Up to 75% LTV
Loan Range: $100,000 – $15,000,000+
Typical Closing: 21 – 30 Business Days
View Commercial Property Underwriting Matrix →
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
Loan Range: $100,000 – $15,000,000+
Typical Closing: 7 – 12 Business Days
View Rehab & BRRRR Loans Underwriting Matrix →
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 unlock equity from 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)
Loan Range: $100,000 – $15,000,000+
Typical Closing: 14 – 21 Business Days
View Cash-Out Refinance Underwriting Matrix →

6 Dedicated Unit-Bracket Silos (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units)

Explore All 6 Unit Silos →
Unit BracketPurchase / R&T LTVCash-Out LTVMin DSCRAppraisal & Sizing Basis
1–4 Units (1–4 Units)Up to 80% LTVUp to 75% LTV0.75x – 1.00x+FNMA Form 1004 (SFR) / Form 1025 (2–4 Unit) + Form 1007 Rent Schedule or STR Projection
5–8 Units (5–8 Units)Up to 75% LTVUp to 70%–75% LTV1.00x – 1.15xSmall-Balance Multifamily / Residential-Crossover Appraisal + Rent Roll & T-12
5–9 Units (5–9 Units)Up to 75% LTVUp to 70% LTV1.10x – 1.20xNarrative Commercial Appraisal (Income, Sales Comparison & Cost Approach) + Rent Roll
5–10 Units (5–10 Units)Up to 75% LTVUp to 70% LTV1.15x – 1.20xCommercial MAI Appraisal + Verified Rent Roll + Trailing-12 (T-12) P&L
5–25 Units (5–25 Units)Up to 75%–80% LTVUp to 70% LTV1.15x – 1.25xMAI Commercial Appraisal + Phase I ESA (when required) + Property Condition Assessment
5+ Units & Portfolios (5+ Units & Portfolios)Up to 75%–80% LTVUp to 70%–75% LTV1.15x – 1.25xCommercial Multifamily or Portfolio Valuation + Partial-Release Schedule
10 Investor Loan Programs & 6 Unit Tiers (1–4 to 5–25+ Units) | mortgagebysteve.com Wholesale Investor Desk