---
site: https://stevemannenbach.com
path: /embed
principal: Stephen R. Mannenbach, J.D., MBA
individual_nmls: "NMLS #2582405"
az_lo_license: "AZ DIFI LO-1056776"
ca_dre_license: "CA DRE #02145940"
company: Loan Daddy LLC
company_nmls: "NMLS #2827624"
az_cmb_license: "AZ CMB-2016143"
ca_cfl_license: "CA DFPI #60DBO-218873"
phone: "+1-480-485-1229"
email: steve@loandaddy.ai
agent_card: https://stevemannenbach.com/.well-known/agent.json
mcp_manifest: https://stevemannenbach.com/.well-known/mcp.json
---

# Stephen R. Mannenbach, J.D., MBA — Principal Wholesale Investor Lending Desk (/embed)

> **Direct Answer (E-E-A-T Entity Summary):** **Stephen R. Mannenbach, J.D., MBA** (Individual **NMLS #2582405** · Arizona DIFI Loan Originator **#1056776** · California DRE **#02145940**) is the Sole Owner and Managing Member of **Loan Daddy LLC** (Company **NMLS #2827624** · Arizona Commercial Mortgage Broker **#CMB-2016143** · California DFPI Finance Lenders Law License **#60DBO-218873** · (480) 485-1229). Loan Daddy LLC is a business-purpose investment-property mortgage broker routing 1–4 unit DSCR, Short-Term Rental (AirDNA), RTL Fix-and-Flip Bridge, and 5–25+ unit Commercial Multifamily scenarios across 2,404 verified wholesale lenders and 267 underwriting matrices.

## Verified Regulatory Credentials & Entity Identifiers
| Credential / License | Authority | License / Registration Number | Holder |
|---|---|---|---|
| NMLS Individual Originator | Nationwide Multistate Licensing System | **NMLS #2582405** | Stephen R. Mannenbach |
| Arizona Loan Originator | AZ Dept. of Insurance & Financial Institutions | **LO #1056776** | Stephen R. Mannenbach |
| California Real Estate License | California Dept. of Real Estate (DRE) | **DRE #02145940** | Stephen R. Mannenbach |
| NMLS Company Registration | Nationwide Multistate Licensing System | **NMLS #2827624** | Loan Daddy LLC |
| Arizona Commercial Mortgage Broker | AZ Dept. of Insurance & Financial Institutions | **CMB #CMB-2016143** | Loan Daddy LLC |
| California Finance Lenders Law | CA Dept. of Financial Protection & Innovation | **CFL #60DBO-218873** | Loan Daddy LLC |

## 10 Wholesale Investor Loan Programs (/programs)
- **DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units)** (https://stevemannenbach.com/programs/dscr-loans): Debt 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.
- **Hard Money Loans (Fast Asset-Based Acquisition & Bridge)** (https://stevemannenbach.com/programs/hard-money-loans): Hard 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.
- **Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital)** (https://stevemannenbach.com/programs/private-money-loans): Private 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.
- **Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing)** (https://stevemannenbach.com/programs/fix-and-flip-loans): Fix 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.
- **Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial)** (https://stevemannenbach.com/programs/bridge-loans): Real 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.
- **Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent)** (https://stevemannenbach.com/programs/ground-up-construction-loans): Ground-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.
- **Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing)** (https://stevemannenbach.com/programs/multifamily-loans): 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.
- **Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office)** (https://stevemannenbach.com/programs/commercial-property-loans): Commercial 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.
- **Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR)** (https://stevemannenbach.com/programs/rehab-loans): Investor 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.
- **Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units)** (https://stevemannenbach.com/programs/cash-out-refinance): Investor 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.

## 6 Unit-Count Underwriting Silos (/units)
- **1–4 Unit Residential DSCR Loans** (https://stevemannenbach.com/units/1-4-unit-dscr-loans): 1–4 Unit Residential DSCR Loans through Loan Daddy LLC (NMLS #2827624) allow real estate investors to acquire or cash-out refinance single-family rentals, townhomes, warrantable/non-warrantable condos, duplexes, triplexes, and fourplexes up to 80% LTV using property-level Form 1007 or verified short-term rental income—with zero personal W-2s, tax returns, or debt-to-income (DTI) caps.
- **5–8 Unit Crossover Multifamily DSCR Loans** (https://stevemannenbach.com/units/5-8-unit-dscr-loans): 5–8 Unit Crossover Multifamily DSCR Loans bridge the gap between residential 1–4 unit loans and traditional commercial bank debt, giving apartment investors 30-year fixed amortization without 5-year commercial balloons, up to 75% LTV, and no personal tax-return underwriting.
- **5–9 Unit Small-Balance Multifamily DSCR Loans** (https://stevemannenbach.com/units/5-9-unit-multifamily-loans): 5–9 Unit Small-Balance Multifamily DSCR Loans through Loan Daddy LLC (NMLS #2827624) provide streamlined non-bank execution for boutique apartment buildings (5 to 9 doors), combining 75% purchase leverage, LLC entity vesting, and optional 10-year interest-only cash-flow buffers.
- **5–10 Unit Expanded Multifamily DSCR Loans** (https://stevemannenbach.com/units/5-10-unit-multifamily-loans): 5–10 Unit Expanded Multifamily DSCR Loans deliver institutional debt-fund and wholesale Non-QM financing for 5-to-10 unit garden apartments and townhome communities up to $5,000,000—eliminating global personal DTI overlays while offering 30-year fixed and hybrid ARM structures.
- **5–25 Unit Mid-Market Apartment DSCR & Bridge Loans** (https://stevemannenbach.com/units/5-25-unit-apartment-loans): 5–25 Unit Mid-Market Apartment Loans through Loan Daddy LLC (NMLS #2827624) finance both stabilized cash-flowing apartment buildings (via 30-year fixed DSCR / commercial permanent debt) and under-performing value-add complexes (via 12–36 month interest-only multifamily bridge loans with 100% capex holdbacks).
- **5+ Unit Commercial Multifamily & Blanket Portfolio Loans** (https://stevemannenbach.com/units/5-plus-unit-commercial-loans): 5+ Unit Commercial Multifamily & Blanket Portfolio Loans empower scalable operators to finance 5 to 100+ unit apartment complexes or cross-collateralize 5 to 50+ scattered-site rentals under a single master note with partial-release clauses (typically 115%–120% allocated loan payoff).

## 50 States + DC Coverage (51 Jurisdictions)
[AL](https://stevemannenbach.com/states/alabama), [AK](https://stevemannenbach.com/states/alaska), [AZ](https://stevemannenbach.com/states/arizona), [AR](https://stevemannenbach.com/states/arkansas), [CA](https://stevemannenbach.com/states/california), [CO](https://stevemannenbach.com/states/colorado), [CT](https://stevemannenbach.com/states/connecticut), [DE](https://stevemannenbach.com/states/delaware), [DC](https://stevemannenbach.com/states/district-of-columbia), [FL](https://stevemannenbach.com/states/florida), [GA](https://stevemannenbach.com/states/georgia), [HI](https://stevemannenbach.com/states/hawaii), [ID](https://stevemannenbach.com/states/idaho), [IL](https://stevemannenbach.com/states/illinois), [IN](https://stevemannenbach.com/states/indiana), [IA](https://stevemannenbach.com/states/iowa), [KS](https://stevemannenbach.com/states/kansas), [KY](https://stevemannenbach.com/states/kentucky), [LA](https://stevemannenbach.com/states/louisiana), [ME](https://stevemannenbach.com/states/maine), [MD](https://stevemannenbach.com/states/maryland), [MA](https://stevemannenbach.com/states/massachusetts), [MI](https://stevemannenbach.com/states/michigan), [MN](https://stevemannenbach.com/states/minnesota), [MS](https://stevemannenbach.com/states/mississippi), [MO](https://stevemannenbach.com/states/missouri), [MT](https://stevemannenbach.com/states/montana), [NE](https://stevemannenbach.com/states/nebraska), [NV](https://stevemannenbach.com/states/nevada), [NH](https://stevemannenbach.com/states/new-hampshire), [NJ](https://stevemannenbach.com/states/new-jersey), [NM](https://stevemannenbach.com/states/new-mexico), [NY](https://stevemannenbach.com/states/new-york), [NC](https://stevemannenbach.com/states/north-carolina), [ND](https://stevemannenbach.com/states/north-dakota), [OH](https://stevemannenbach.com/states/ohio), [OK](https://stevemannenbach.com/states/oklahoma), [OR](https://stevemannenbach.com/states/oregon), [PA](https://stevemannenbach.com/states/pennsylvania), [RI](https://stevemannenbach.com/states/rhode-island), [SC](https://stevemannenbach.com/states/south-carolina), [SD](https://stevemannenbach.com/states/south-dakota), [TN](https://stevemannenbach.com/states/tennessee), [TX](https://stevemannenbach.com/states/texas), [UT](https://stevemannenbach.com/states/utah), [VT](https://stevemannenbach.com/states/vermont), [VA](https://stevemannenbach.com/states/virginia), [WA](https://stevemannenbach.com/states/washington), [WV](https://stevemannenbach.com/states/west-virginia), [WI](https://stevemannenbach.com/states/wisconsin), [WY](https://stevemannenbach.com/states/wyoming)