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
1–4 Units UNDERWRITING SILO · NMLS #2827624

1–4 Unit Residential DSCR Loans

Bottom Line Up Front (BLUF): 1–4 Unit Residential DSCR Loans through Loan Daddy LLC (NMLS #2827624) allow real estate investors to acquire or cash-out refinance single-family rentals, townhomes, warrantable/non-warrantable condos, duplexes, triplexes, and fourplexes up to 80% LTV using property-level Form 1007 or verified short-term rental income—with zero personal W-2s, tax returns, or debt-to-income (DTI) caps.
PURCHASE / R&T LTV
Up to 80% LTV
CASH-OUT REFI LTV
Up to 75% LTV
MINIMUM DSCR & FICO
0.75x – 1.00x+ · 640–660+ FICO
LOAN SIZE RANGE
$100,000 – $3,500,000

Appraisal, Income Formula & Prepayment Options for 1–4 Units

Required Valuation Report: FNMA Form 1004 (SFR) / Form 1025 (2–4 Unit) + Form 1007 Rent Schedule or STR Projection

Underwriting Income Formula: Gross Monthly Qualifying Rent ÷ Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA)

Prepayment Step-Down Structures: 5-4-3-2-1 Step-Down, 3-2-1 Step-Down, or No Prepayment Penalty

Ideal Investor Strategy: Up to 80% LTV on Purchases & Rate-and-Term Refinances; up to 75% LTV on Cash-Out Refinances. Qualify on Form 1007 / Form 1025 market rent, executed long-term lease, or verified 12-month STR booking ledger. 30-Year Fixed, 5/1 & 7/1 ARM, 10-Year Interest-Only, and 40-Year Interest-Only amortization options. Close directly in a Single-Member LLC, Multi-Member LLC, LP, Corporation, or Trust with no 10-property Fannie/Freddie cap.

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 · Canonical Integer _cents & _bps Engine

Price/Door: $240,000·Loan/Door: $180,000·Avg Rent/Door: $1,900/mo
Have different bedroom types or gap rents? Itemize your exact Form 1025 / Commercial Rent Roll Unit Mix:
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
Canonical: 133 bps · 7500 bps LTV · 6625 bps Rate
1.33x

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

Loan Amount (75% LTV)$360,00036,000,000 _cents
Monthly P&I Debt Service$2,305/mo@ 6.625% Note Rate
Total Monthly PITIA$2,853/moTax: $380 · Ins: $168
Net Monthly Cash Flow+$947/mo$11,363/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)$2,853/mo1.33x
Option B: Balanced Par (36-Mo Stepdown)3-2-16.875%-75 bps (-0.750 pt)$2,913/mo1.30x
Option C: Max Cash Flow (10-Yr Interest-Only)3-2-1 IO7.000%+38 bps IO LLPA$2,648/mo1.44x

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.

Compare All 6 Unit Brackets

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10 Wholesale Loan Programs & 51-Jurisdiction Coverage

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1–4 Unit Residential DSCR Loans — LTV, DSCR & Appraisal Matrix | lender.chat Wholesale Investor Desk