YMYL Financial Methodology · stevemannenbach.com

Quantitative DSCR, Multifamily NOI & Wholesale Audit Methodology

Bottom Line Up Front: Every underwriting model, state foreclosure benchmark, and calculator on stevemannenbach.com uses canonical integer _cents and _bps precision audited by Stephen R. Mannenbach, J.D., MBA (NMLS #2582405 · Loan Daddy LLC NMLS #2827624).

Primary Wholesale Rate-Sheet & Statutory Verification

1–4 Unit Residential DSCR: Qualifying Monthly Rent (Form 1007 / Lease / AirDNA) ÷ Monthly PITIA.
5–25+ Unit Commercial Multifamily DSCR: Annual Net Operating Income (NOI) ÷ Annual Debt Service with a 5% minimum vacancy floor.
50-State Statutory Audit: Judicial vs. non-judicial foreclosure timelines and commercial licensing exemptions are cross-checked quarterly.

Editorial Review Policy →Run DSCR Simulator