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
California Investor DSCR Deal Desk
Wholesale Brokerage (Pinned #1) · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Loan Daddy LLC (NMLS #2827624), led by Principal & Managing Director Stephen R. Mannenbach, J.D., MBA (NMLS #2549621), operates as an institutional wholesale mortgage brokerage shopping 45+ DSCR, Non-QM, RTL Fix-and-Flip, and Multifamily credit shelves simultaneously so investors receive direct wholesale par pricing and rapid credit-exception routing.

2026 Rate Band
6.125% – 7.875%
Max Purchase LTV
80% (85% CLTV w/ Seller Carry)
Max Cash-Out LTV
75% (Up to $3M Cash-Out)
Min DSCR / FICO
0.75x – 1.25x+ (No-Ratio Available) · 620+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) — Institutional Underwriting Matrix

Headquarters & FootprintScottsdale, AZ (Nationwide 50 States + DC)
Loan Amount Range$100,000 – $25,000,000+
Typical Closing Window10 – 14 Business Days
Prepayment Penalty Options5/4/3/2/1, 3/2/1, 2/1, 1-Yr, or No-PPP
Eligible Entity VestingLLC, Series LLC, LP, S-Corp, Revocable Living Trust
Core Program Specialties
  • 30-Year Fixed DSCR (1–4 Units & 5–9 Unit Small-Balance)
  • AirDNA & Actual-History Short-Term Rental (STR) Underwriting
  • 90% LTC / 100% Rehab RTL Fix-and-Flip & Ground-Up Construction
  • PadSplit Co-Living & Mid-Term Nurse Housing DSCR
  • Foreign National / ITIN / No-U.S.-FICO DSCR (Up to 75% LTV)

Compare Other Verified Institutional Lenders

Kiavi (Formerly LendingHome)
6.625% – 9.750% · 80% DSCR / 90% RTL LTC
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Roc Capital (Roc360)
6.375% – 8.625% · 80% DSCR / 85% RTL LTC
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Lima One Capital
6.500% – 8.875% · 80% DSCR / 90% RTL LTC
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Visio Lending
6.625% – 8.500% · 80% LTV
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CoreVest American Finance
6.375% – 8.500% · 80% LTV
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Velocity Mortgage Capital
6.500% – 8.750% · 80% LTV
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Angel Oak Mortgage Solutions
6.250% – 8.250% · 80% LTV (85% Select Tiers)
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Acra Lending ( Citadel Servicing )
6.250% – 8.375% · 80% LTV
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Anchor Loans
7.990% – 10.250% · 85% – 90% LTC (100% Rehab)
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Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) — 2026 DSCR, LTV & Credit-Box Review | California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing