DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) offer Up to 80% LTV Purchase / 75% Cash-Out across loan amounts of $100,000 – $15,000,000+ at 6.375% – 8.25% (Wholesale Tier Dependent) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 40-Yr IO, 620 – 660+ FICO min FICO, 14 – 21 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing.
| Credit-Box Parameter | Loan Daddy Wholesale Desk (45+ Shelves) | Typical Single-Shelf Direct Lender | Community Bank / Portfolio Bank |
|---|---|---|---|
| Max Leverage / LTC | Up to 80% LTV Purchase / 75% Cash-Out | 5%–10% Lower on Exceptions | 65%–70% Max LTV |
| 2026 Rate Band | 6.375% – 8.25% (Wholesale Tier Dependent) | +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 | 14 – 21 Business Days | 21–30 Days | 45–60 Days |