2-Hour Exception Pre-Clearance · Stephen R. Mannenbach, J.D., MBA

Wholesale Exception & Credit-Committee Scenario Desk

Select all exception flags present on your deal—including Sub-1.00x DSCR, Foreign National/ITIN, Short-Term Rental AirDNA, Rural Acreage, or Unseasoned BRRRR Cash-Out—to filter the exact wholesale shelves that accept your structure through Loan Daddy LLC (NMLS #2827624).

Step 1 · Select Edge-Case / Exception Flags on Your File

Toggle Every Guideline Overlay or Exception Needed

Matching Wholesale Shelves
19 / 52 Desks
Cash Flow / DSCR19 Wholesale Shelves Allow

Sub-1.00x / No-Ratio DSCR (0.75x–0.99x or True No-Ratio)

Up to 75% LTV Purchase / 70% LTV Cash-Out: Requires 6–9 months PITIA reserves and 680+ FICO or 25%+ down payment.

Borrower / Entity16 Wholesale Shelves Allow

Foreign National or ITIN Borrower (No U.S. Credit Score)

Up to 75% LTV Purchase / 65%–70% LTV Refinance: Accepts international credit/passport or ITIN + 12 months U.S. bank reserves.

Collateral / Property14 Wholesale Shelves Allow

Non-Warrantable Condo or Condotel (Resort / Hospitality Desk)

Up to 75% LTV Purchase / 65% LTV Cash-Out: Allows HOA short-term rental operations, front-desk management, and >20% investor concentration.

Collateral / Property11 Wholesale Shelves Allow

Rural Property or 5–20 Acres (Agricultural-Exempt Investment)

Up to 70%–75% LTV on Non-Working Farm Residential Rental: Requires paved/all-weather road access and 3 comparable sales within 15–25 miles.

Borrower / Entity34 Wholesale Shelves Allow

Multi-Tier Holding LLC / Series LLC / Wyoming Parent Entity

Up to 80% LTV Standard DSCR: Requires full organizational chart tracing 25%+ beneficial owners to personal guarantors.

Title / Valuation22 Wholesale Shelves Allow

Low Form 1007 Market Rent vs. Higher Actual In-Place Lease / AirDNA

Up to 75%–80% LTV using Executed Lease or AirDNA Override: Select wholesale shelves use 100% of documented in-place lease (up to 120% of 1007) with 3 months proof of receipt.

Collateral / Property15 Wholesale Shelves Allow

Mid-Construction / Unfinished Rehab Bridge Takeout

Up to 80% LTC / 70% ARV Completion Bridge: Transitions stalled or maturing hard money notes into a fresh 12-month completion bridge.

Title / Valuation18 Wholesale Shelves Allow

Short Title Seasoning (< 6 Months Owned) Seeking Full ARV Cash-Out

Up to 75% of New Appraised ARV after 90 Days with Documented Rehab: Requires paid contractor invoices/scope of work demonstrating value-add improvements since acquisition.

Collateral / Property17 Wholesale Shelves Allow

5–8 Unit Residential-Style DSCR (No Commercial Global Tax Return)

Up to 75% LTV on 5–8 Unit Small Multifamily: Underwritten on Form 71B / small-income appraisal + rent roll without personal tax returns.

Cash Flow / DSCR27 Wholesale Shelves Allow

Vacant Property Cash-Out Refinance Using 100% Form 1007 Market Rent

Up to 75% LTV Cash-Out Refinance while Vacant: No lease required at closing when rent-ready on appraisal inspection.

⚡ Step 2 · 2-Hour Exception Pre-Review

Submit File to the Wholesale Exception Scenario Desk

Your selected exception stack matches 19 active wholesale credit boxes. Submit your scenario below for a side-by-side compensating-factor structure review.

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