PRIVATE MONEY LOANS · Wholesale Shelf Comparison · stevemannenbach.com

Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) — Side-by-Side Wholesale Credit-Box Comparison

Private Money Loans (Flexible Balance-Sheet & Debt-Fund Capital) offer Up to 80% LTV / 85% LTC across loan amounts of $100,000 – $15,000,000+ at 8.99% – 11.25% Interest-Only (6 to 36 Months Interest-Only, Flexible Credit / Equity-Driven min FICO, 7 – 12 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC.

Credit-Box ParameterLoan Daddy Wholesale Desk (45+ Shelves)Typical Single-Shelf Direct LenderCommunity Bank / Portfolio Bank
Max Leverage / LTCUp to 80% LTV / 85% LTC5%–10% Lower on Exceptions65%–70% Max LTV
2026 Rate Band8.99% – 11.25% Interest-Only+37.5 to +87.5 bps Retail MarginFloating WSJ Prime + Spread
Loan Amount Range$100,000 – $15,000,000+$150K–$3M CapLocal Footprint Only
Tax Returns / DTI RequiredNone (Asset Cash-Flow Only)None2 Years Full Tax Returns + Global DTI
Target Closing Speed7 – 12 Business Days21–30 Days45–60 Days

Compare Private Money Loans by State (51 Jurisdictions)

AL Private Money LoansAK Private Money LoansAZ Private Money LoansAR Private Money LoansCA Private Money LoansCO Private Money LoansCT Private Money LoansDE Private Money LoansDC Private Money LoansFL Private Money LoansGA Private Money LoansHI Private Money LoansID Private Money LoansIL Private Money LoansIN Private Money LoansIA Private Money LoansKS Private Money LoansKY Private Money LoansLA Private Money LoansME Private Money LoansMD Private Money LoansMA Private Money LoansMI Private Money LoansMN Private Money LoansMS Private Money LoansMO Private Money LoansMT Private Money LoansNE Private Money LoansNV Private Money LoansNH Private Money LoansNJ Private Money LoansNM Private Money LoansNY Private Money LoansNC Private Money LoansND Private Money LoansOH Private Money LoansOK Private Money LoansOR Private Money LoansPA Private Money LoansRI Private Money LoansSC Private Money LoansSD Private Money LoansTN Private Money LoansTX Private Money LoansUT Private Money LoansVT Private Money LoansVA Private Money LoansWA Private Money LoansWV Private Money LoansWI Private Money LoansWY Private Money Loans

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Private Money Loans Lender Comparison Matrix (Up to 80% LTV / 85% LTC) | Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC | Stephen Mannenbach