dscrloansnorthcarolina.com · Loan Daddy LLC Wholesale Desk · ALL 10 WHOLESALE LOAN VERTICALS & 6 UNIT TIERS
10 Business-Purpose Real Estate Investor Loan Programs
Bottom Line Up Front (BLUF): dscrloansnorthcarolina.com · Loan Daddy LLC Wholesale Desk (dscrloansnorthcarolina.com), published by Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873), 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 LOANSDebt 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
HARD MONEY LOANSHard 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
PRIVATE MONEY LOANSPrivate 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
FIX & FLIP LOANSFix 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
BRIDGE LOANSReal 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
GROUND-UP CONSTRUCTIONGround-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
MULTIFAMILY (5+ UNITS)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
COMMERCIAL PROPERTYCommercial 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
REHAB & BRRRR LOANSInvestor 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
CASH-OUT REFINANCEInvestor 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
| Unit Bracket | Purchase / R&T LTV | Cash-Out LTV | Min DSCR | Appraisal & Sizing Basis |
|---|
| 1–4 Units (1–4 Units) | Up to 80% LTV | Up to 75% LTV | 0.75x – 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% LTV | Up to 70%–75% LTV | 1.00x – 1.15x | Small-Balance Multifamily / Residential-Crossover Appraisal + Rent Roll & T-12 |
| 5–9 Units (5–9 Units) | Up to 75% LTV | Up to 70% LTV | 1.10x – 1.20x | Narrative Commercial Appraisal (Income, Sales Comparison & Cost Approach) + Rent Roll |
| 5–10 Units (5–10 Units) | Up to 75% LTV | Up to 70% LTV | 1.15x – 1.20x | Commercial MAI Appraisal + Verified Rent Roll + Trailing-12 (T-12) P&L |
| 5–25 Units (5–25 Units) | Up to 75%–80% LTV | Up to 70% LTV | 1.15x – 1.25x | MAI Commercial Appraisal + Phase I ESA (when required) + Property Condition Assessment |
| 5+ Units & Portfolios (5+ Units & Portfolios) | Up to 75%–80% LTV | Up to 70%–75% LTV | 1.15x – 1.25x | Commercial Multifamily or Portfolio Valuation + Partial-Release Schedule |