45+ Wholesale Credit Shelves · Stephen R. Mannenbach, J.D., MBA (NMLS #2549621)

Match Your Deal Across 45+ Institutional Wholesale DSCR & Bridge Shelves

Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873) underwrites your scenario once and benchmarks 45+ institutional wholesale DSCR, Short-Term Rental AirDNA, RTL Fix-and-Flip, and 5–100+ Unit Multifamily credit shelves side by side.

Matched Credit Shelf · Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC

Flagship 30-Year Fixed DSCR Investor Shelf (Pinned #1)

Direct wholesale par pricing across 45+ institutional DSCR credit shelves with LLC/Series-LLC vesting, zero personal tax returns, and flexible step-down prepayment options.

2026 Rate Band
6.125% – 6.750%
Max Leverage
80% Purchase LTV (85% CLTV)
Closing Window
10 – 14 Business Days
Lock Wholesale Term Sheet →Inspect Program Specs

Benchmarked Institutional Counterparty Shelves

Wholesale Brokerage (Pinned #1)
Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk)
6.125% – 7.875% · 80% (85% CLTV w/ Seller Carry)
Min DSCR: 0.75x – 1.25x+ (No-Ratio Available) · Min FICO: 620+
RTL Fix-and-Flip & Bridge Lender
Kiavi (Formerly LendingHome)
6.625% – 9.750% · 80% DSCR / 90% RTL LTC
Min DSCR: 1.00x – 1.20x · Min FICO: 660+
Wholesale DSCR & Non-QM Aggregator
Roc Capital (Roc360)
6.375% – 8.625% · 80% DSCR / 85% RTL LTC
Min DSCR: 0.85x – 1.20x · Min FICO: 640+
RTL Fix-and-Flip & Bridge Lender
Lima One Capital
6.500% – 8.875% · 80% DSCR / 90% RTL LTC
Min DSCR: 1.00x – 1.20x · Min FICO: 660+
Wholesale DSCR & Non-QM Aggregator
Visio Lending
6.625% – 8.500% · 80% LTV
Min DSCR: 1.00x – 1.25x · Min FICO: 680+
Commercial & Multifamily Bridge
CoreVest American Finance
6.375% – 8.500% · 80% LTV
Min DSCR: 1.10x – 1.25x · Min FICO: 660+
Wholesale DSCR & Non-QM Aggregator
Velocity Mortgage Capital
6.500% – 8.750% · 80% LTV
Min DSCR: 0.75x – 1.20x · Min FICO: 640+
Wholesale DSCR & Non-QM Aggregator
Angel Oak Mortgage Solutions
6.250% – 8.250% · 80% LTV (85% Select Tiers)
Min DSCR: 0.75x – 1.25x · Min FICO: 640+
Wholesale DSCR & Non-QM Aggregator
Acra Lending ( Citadel Servicing )
6.250% – 8.375% · 80% LTV
Min DSCR: 0.75x – 1.20x · Min FICO: 620+
RTL Fix-and-Flip & Bridge Lender
Anchor Loans
7.990% – 10.250% · 85% – 90% LTC (100% Rehab)
Min DSCR: N/A (Asset-Based ARV Bridge) · Min FICO: 640+

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