loanai.bot Wholesale Investor Desk · 6 DEDICATED UNIT-COUNT UNDERWRITING SILOS

Investment Property Financing by Unit Count (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Doors)

Bottom Line Up Front (BLUF): Residential DSCR underwriting stops at 4 units (using gross rent divided by PITIA on Form 1004/1007 or Form 1025), while properties with 5–8, 5–9, 5–10, 5–25, and 5+ units transition into small-balance crossover DSCR and commercial Net Operating Income (NOI ÷ Annual Debt Service) underwriting. Select your exact unit bracket below to review LTV caps, minimum DSCR ratios, appraisal requirements, and prepayment options arranged by Loan Daddy LLC (NMLS #2827624).

1–4 Units BRACKET

1–4 Unit Residential DSCR Loans

1–4 Unit Residential DSCR Loans through Loan Daddy LLC (NMLS #2827624) allow real estate investors to acquire or cash-out refinance single-family rentals, townhomes, warrantable/non-warrantable condos, duplexes, triplexes, and fourplexes up to 80% LTV using property-level Form 1007 or AirDNA short-term rental income—with zero personal W-2s, tax returns, or debt-to-income (DTI) caps.

Purchase / R&T LTV: Up to 80% LTV

Cash-Out LTV: Up to 75% LTV

Min DSCR: 0.75x – 1.00x+ · Loan Range: $100,000 – $3,500,000

Open 1–4 Units Underwriting Guide →

5–8 Units BRACKET

5–8 Unit Crossover Multifamily DSCR Loans

5–8 Unit Crossover Multifamily DSCR Loans bridge the gap between residential 1–4 unit loans and traditional commercial bank debt, giving apartment investors 30-year fixed amortization without 5-year commercial balloons, up to 75% LTV, and no personal tax-return underwriting.

Purchase / R&T LTV: Up to 75% LTV

Cash-Out LTV: Up to 70%–75% LTV

Min DSCR: 1.00x – 1.15x · Loan Range: $400,000 – $4,000,000

Open 5–8 Units Underwriting Guide →

5–9 Units BRACKET

5–9 Unit Small-Balance Multifamily DSCR Loans

5–9 Unit Small-Balance Multifamily DSCR Loans through Loan Daddy LLC (NMLS #2827624) provide streamlined non-bank execution for boutique apartment buildings (5 to 9 doors), combining 75% purchase leverage, LLC entity vesting, and optional 10-year interest-only cash-flow buffers.

Purchase / R&T LTV: Up to 75% LTV

Cash-Out LTV: Up to 70% LTV

Min DSCR: 1.10x – 1.20x · Loan Range: $500,000 – $4,500,000

Open 5–9 Units Underwriting Guide →

5–10 Units BRACKET

5–10 Unit Expanded Multifamily DSCR Loans

5–10 Unit Expanded Multifamily DSCR Loans deliver institutional debt-fund and wholesale Non-QM financing for 5-to-10 unit garden apartments and townhome communities up to $5,000,000—eliminating global personal DTI overlays while offering 30-year fixed and hybrid ARM structures.

Purchase / R&T LTV: Up to 75% LTV

Cash-Out LTV: Up to 70% LTV

Min DSCR: 1.15x – 1.20x · Loan Range: $500,000 – $5,000,000

Open 5–10 Units Underwriting Guide →

5–25 Units BRACKET

5–25 Unit Mid-Market Apartment DSCR & Bridge Loans

5–25 Unit Mid-Market Apartment Loans through Loan Daddy LLC (NMLS #2827624) finance both stabilized cash-flowing apartment buildings (via 30-year fixed DSCR / commercial permanent debt) and under-performing value-add complexes (via 12–36 month interest-only multifamily bridge loans with 100% capex holdbacks).

Purchase / R&T LTV: Up to 75%–80% LTV

Cash-Out LTV: Up to 70% LTV

Min DSCR: 1.15x – 1.25x · Loan Range: $1,000,000 – $15,000,000

Open 5–25 Units Underwriting Guide →

5+ Units & Portfolios BRACKET

5+ Unit Commercial Multifamily & Blanket Portfolio Loans

5+ Unit Commercial Multifamily & Blanket Portfolio Loans empower scalable operators to finance 5 to 100+ unit apartment complexes or cross-collateralize 5 to 50+ scattered-site rentals under a single master note with partial-release clauses (typically 115%–120% allocated loan payoff).

Purchase / R&T LTV: Up to 75%–80% LTV

Cash-Out LTV: Up to 70%–75% LTV

Min DSCR: 1.15x – 1.25x · Loan Range: $750,000 – $25,000,000+

Open 5+ Units & Portfolios Underwriting Guide →

Live Wholesale PPE & DSCR Underwriting Terminal

1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator

Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)8 Units

Price/Door: $56,250·Loan/Door: $42,188·Avg Rent/Door: $425/mo

Have different bedroom types or gap rents? Itemize your exact Form 1025 / Commercial Rent Roll Unit Mix:

Multifamily Acquisition / Appraised Value$450,000

Target LTV %75%

Base Note Rate %6.625%

Avg Rent / Door / Mo$425

RUBS / Other Income (/Mo)$250

Vacancy Floor (%) — Min 5%

T-12 OpEx Ratio (% of EGI)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 104 bps · 7500 bps LTV · 6625 bps Rate

1.04x

1.00x Breakeven DSCR Eligible (1–4 Units)

Loan Amount (75% LTV)$337,50033,750,000 _cents

Monthly P&I Debt Service$2,161/mo@ 6.625% Note Rate

Net Operating Income (NOI)$27,047/yr$2,254/mo after 35% OpEx

Net Monthly Cash Flow+$93/moCap Rate: 6.01%

Get 30-Sec Quote →Full 1003 / MISMO Apply →

Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)

Execution Option	Prepay Structure	Est. Note Rate	Prepay Price Credit	Monthly Debt Service	DSCR Ratio
Option A: Lowest Rate (60-Mo Stepdown)	5-4-3-2-1	6.625%	-100 bps (-1.000 pt)	$2,161/mo	1.04x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,217/mo	1.02x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$1,969/mo	1.14x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.