Loan Daddy LLC licensing summary
- Company
- Loan Daddy LLC
- Company NMLS
- #2827624
- Arizona
- CMB-2016143
- California
- CA CFL application pending
DSCR loan officer and owner
Steve Mannenbach
Founder & CEO/Owner, Loan Daddy LLC
DSCR loan broker for real estate investors.
I help rental-property investors review business-purpose DSCR loan scenarios, compare wholesale lender fit, and move from property cash flow to a clean broker submission path. Loan Daddy LLC is a broker, not a lender.
Business-purpose DSCR and investor loans only. Non-owner-occupied investment and commercial real estate only. This is not a commitment to lend.
About Steve
Why work with a specialized DSCR loan broker?
Steve Mannenbach owns and leads Loan Daddy LLC. The value of this site is direct access: you are not starting with a generic call center or anonymous intake desk. You are starting with the person accountable for the DSCR brokerage relationship.
- Owner-level DSCR scenario review and communication.
- Rental-property strategy, not consumer retail mortgage positioning.
- Cash-flow, rent, leverage, entity, and lender-fit review.
- Public licensing, disclosures, and NMLS verification links.
DSCR focus
DSCR loan guidelines and property eligibility.
DSCR loans qualify the investment property by rental income and debt service coverage rather than a traditional consumer-income mortgage profile. Loan Daddy LLC focuses on business-purpose investor scenarios where the property, rent, leverage, reserves, and borrower structure drive lender fit.
- DSCR purchase
- DSCR refinance
- Cash-out DSCR
- DSCR loan requirements
- DSCR ratio calculation
- Gross rent vs. PITIA
- Short-term rentals
- 1-4 unit rentals
- 2-4 unit investor property
- Portfolio scenarios
- Entity-owned rentals
Not for primary residences, second homes for personal use, or consumer-purpose residential mortgages.
Investor search topics
Common DSCR loan questions, answered safely.
Investors commonly search for DSCR loan rates, DSCR loan requirements, DSCR loan calculator, DSCR cash-out refinance, short-term rental DSCR loans, Airbnb DSCR loans, no tax return investment property loans, and LLC rental property financing. This site keeps those topics tied to broker review and lender underwriting instead of publishing hard promises.
Brokerage model
Wholesale lender access. Concierge process.
Loan Daddy LLC acts as an intermediary between real estate investors and wholesale lenders. Because Loan Daddy LLC is a broker and not a lender, the value is DSCR scenario review, program matching, packaging, and communication rather than one balance sheet or one set of guidelines.
When you submit a DSCR scenario, the review focuses on rent, PITIA, appraised value, loan purpose, entity structure, credit profile, reserves, experience, documentation needs, and current wholesale lender requirements.
Engagement process
How I review your DSCR scenario.
- Send the propertyShare address, rent, PITIA, value or purchase price, loan purpose, and entity.
- Calculate DSCR fitI review cash flow, leverage, credit, reserves, and documentation against current wholesale lender requirements.
- Structure the pathWe discuss likely lender fit, missing items, possible structure, and whether the file should move into submission.
- Package for reviewIf you authorize us to proceed, Loan Daddy LLC packages the DSCR file for wholesale lender review.
Before you submit
Consent and disclosure posture.
SteveMannenbach.com does not collect DSCR loan application information directly. The buttons route to Loan Daddy LLC application and scheduling systems that present their own form controls, notices, and consent language.
- Review the Privacy Policy, Terms of Use, Disclosures, and Licensing pages.
- Use this site only for business-purpose DSCR or investor real estate scenarios.
- Do not submit owner-occupied or consumer-purpose residential mortgage requests.
- Do not treat a scenario review as approval, a rate lock, or a commitment to lend.
Licensing
Controlled Loan Daddy LLC disclosure language.
Loan Daddy LLC is an Arizona commercial mortgage broker and business-purpose real estate investor loan broker. Loan Daddy LLC does not make loans, fund loans, underwrite loans, approve loans, deny loans, or make credit decisions.
California Financing Law Finance Broker application pending. Loan Daddy LLC will not broker California loans under its own California Financing Law authority unless and until the license is approved. California scenarios are subject to current licensing, wholesale lender, property, borrower, and documentation requirements.
California loans are arranged only as permitted by applicable law and, where applicable, with properly licensed California Financing Law finance lenders.
Disclosures
Business-purpose loans only.
Loan Daddy LLC arranges commercial and business-purpose loans secured by non-owner-occupied investment or commercial real estate. Loan Daddy LLC does not broker consumer-purpose residential mortgages through this website, including loans secured by a borrower's primary residence or second home for personal, family, or household use.
Rates, terms, loan-to-value, debt-service-coverage ratio, loan amount, broker compensation, fees, closing timelines, and program availability are subject to change without notice and depend on lender underwriting, property type, occupancy, creditworthiness, documentation, and investor guidelines.
A quote, scenario review, consultation, or application registration is not a loan approval, rate lock, offer to lend, or commitment to lend. Not all applicants will qualify. Final underwriting, pricing, approval, and funding decisions are made by the applicable wholesale lender.
Loan Daddy LLC conducts business in accordance with applicable fair lending laws, including the Equal Credit Opportunity Act and the Fair Housing Act.
Contact
Loan Daddy LLC
4111 N Drinkwater Blvd, Apt F202, Scottsdale, AZ 85251Review the linked legal notices before submitting contact, scheduling, or application information through any linked platform.
Compliance links