Compare rate bands, maximum LTV/LTC leverage, minimum DSCR/Debt-Yield floors, and closing timelines across all 10 core investor lending programs structured by Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC.
| Program | 2026 Rate Range | Max Leverage | Min DSCR | Loan Amounts | Term Sheet |
|---|---|---|---|---|---|
| DSCR Rental Loans (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) | 6.375% – 8.25% (Wholesale Tier Dependent) | Up to 80% LTV Purchase / 75% Cash-Out | 620 – 660+ FICO | $100,000 – $15,000,000+ | Specs → |
| Hard Money Loans (Fast Asset-Based Acquisition & Bridge) | 9.25% – 11.50% Interest-Only | Up to 85%–90% LTC / 75% ARV | 600 – 640+ FICO (Asset-Backed) | $100,000 – $15,000,000+ | Specs → |
| Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) | 8.99% – 11.25% Interest-Only | Up to 80% LTV / 85% LTC | Flexible Credit / Equity-Driven | $100,000 – $15,000,000+ | Specs → |
| Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) | 9.25% – 11.25% Interest-Only | Up to 90% Purchase + 100% Rehab (75% ARV Cap) | 620 – 660+ FICO | $100,000 – $15,000,000+ | Specs → |
| Real Estate Bridge Loans (1–4 Unit, 5–25+ Unit Multifamily & Commercial) | 8.75% – 10.99% Interest-Only | Up to 80% LTV Acquisition / 75% Bridge Cash-Out | 640+ FICO | $100,000 – $15,000,000+ | Specs → |
| Ground-Up Construction Loans (Spec Homes, Duplex/Fourplex & Build-to-Rent) | 9.75% – 11.75% Interest-Only on Drawn Funds | Up to 85% LTC / 70%–75% Completed ARV | 660+ FICO | $100,000 – $15,000,000+ | Specs → |
| Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) | 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) | Up to 75%–80% LTV Purchase / 70%–75% Cash-Out | 660+ FICO | $100,000 – $15,000,000+ | Specs → |
| Commercial Property Loans (Mixed-Use, Retail, Industrial, Warehouse & Office) | 6.875% – 8.99% | Up to 75% LTV | 660+ FICO | $100,000 – $15,000,000+ | Specs → |
| Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR) | 9.25% – 11.25% (Bridge Phase) -> 6.50%+ (DSCR Takeout) | Up to 85%–90% LTC + 100% Rehab Escrowed | 620+ FICO | $100,000 – $15,000,000+ | Specs → |
| Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) | 6.625% – 8.375% | Up to 75% LTV Cash-Out (Select 80% LTV Tiers) | 640 – 680+ FICO | $100,000 – $15,000,000+ | Specs → |
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