{"dataset":"StephenMannenbach.com — 2026 Executive DSCR, Blanket Portfolio, Bridge & Scottsdale Real Estate Dataset","version":"2026.11","license":"https://creativecommons.org/licenses/by/4.0/","publisher":{"principal":"Stephen R. Mannenbach, J.D., MBA","legalEntities":["Loan Daddy LLC (Company NMLS #2827624)","HomeSmart LLC (AZ DRE #SA713873000)"],"credentials":"Company NMLS #2827624 · Originator NMLS #2549621 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · AZ DRE #SA713873000 · CA DRE #02246046","phone":"(480) 485-1229","exclusiveRepresentation":true},"shelves":[{"shelfId":"SM-EXEC-DSCR-104","program":"1–4 Unit & Short-Term Rental (AirDNA) DSCR Shelf","maxLtv":"80% Purchase / 75% Cash-Out","minCoverage":"1.00x–1.25x (0.75x No-Ratio Exception Shelf)","prepayStructures":"5-4-3-2-1 (-25 bps) | 3-2-1 (Par) | No-Prepay (+37.5 bps)","loanBand":"$100,000 – $5,000,000"},{"shelfId":"SM-EXEC-BLANKET-550","program":"5–50+ Door Cross-Collateralized Portfolio Blanket Loan","maxLtv":"75% Purchase / 70% Cash-Out","minCoverage":"1.15x–1.20x Blended Portfolio DSCR","prepayStructures":"5-4-3-2-1 | Yield Maintenance | 115%–120% Partial Release Clause","loanBand":"$500,000 – $25,000,000"},{"shelfId":"SM-EXEC-BRIDGE-RTL","program":"Fix-and-Flip, Value-Add & Commercial Bridge Facility","maxLtv":"85%–90% LTC / 75% ARV","minCoverage":"Asset & ARV Underwritten (Non-Dutch Available)","prepayStructures":"0-Month Minimum Interest / No Exit Penalty","loanBand":"$150,000 – $15,000,000"},{"shelfId":"SM-EXEC-SCOTTSDALE-RE","program":"Scottsdale & Paradise Valley Luxury & Investment Real Estate Advisory","maxLtv":"Direct Representation (HomeSmart LLC · AZ DRE #SA713873000)","minCoverage":"$1M–$3M Turnkey (29d DOM) & $3M–$10M+ Trophy Estates (68d DOM)","prepayStructures":"Simultaneous Buy-Sell & 1031 Replacement Coordination","loanBand":"$500,000 – $25,000,000+"}]}