🎯 52 Institutional Wholesale Credit Boxes · Loan Daddy LLC (NMLS #2827624)
Match Your Investment Deal Across 50+ Wholesale Shelves in 1 Submission
Compare verified wholesale DSCR, Non-QM, STR/AirDNA, and Bridge credit boxes on dscrloanstennessee.com with Loan Daddy LLC (NMLS #2827624) pinned #1.
Active Institutional Wholesale Shelf Tiers (Arranged by Loan Daddy LLC · NMLS #2827624)
LD-SHELF-PRIME-104 · NMLS #2827624
Loan Daddy Wholesale Desk — Tier-1 Prime DSCR 1–4 Unit Shelf
Max Leverage: Up to 80% Purchase / 75%–80% Refi
Min Coverage: 1.00x–1.25x (Form 1007)
Loan Range: $100,000 – $5,000,000
Target Close: 12–16 Business Days
1–4 Unit RentalLLC & Series LLC Vesting30-Yr Fixed & 40-Yr IO
LD-SHELF-STR-AIRDNA · NMLS #2827624
Loan Daddy Wholesale Desk — Short-Term Rental (STR / AirDNA) Shelf
Max Leverage: Up to 75%–80% Purchase / 75% Cash-Out
Min Coverage: 1.00x+ (AirDNA / 12-Mo STR History)
Loan Range: $125,000 – $3,500,000
Target Close: 14–18 Business Days
AirDNA Rentalizer AcceptedNon-Warrantable Condos & CondotelsVacation Markets
LD-SHELF-NORATIO · NMLS #2827624
Loan Daddy Wholesale Desk — No-Ratio & Sub-1.00x DSCR Shelf
Max Leverage: Up to 75% Purchase / 70% Cash-Out
Min Coverage: 0.75x–0.99x or True No-Ratio
Loan Range: $150,000 – $3,000,000
Target Close: 15–19 Business Days
Sub-1.00x Cash FlowValue-Add BRRRRHigh-Appreciation Metros
LD-SHELF-RTL-BRIDGE · NMLS #2827624
Loan Daddy Wholesale Desk — RTL Fix & Flip / Bridge Shelf
Max Leverage: Up to 85%–90% LTC / 70%–75% ARV
Min Coverage: N/A (Asset / ARV Underwritten)
Loan Range: $100,000 – $10,000,000
Target Close: 7–12 Business Days
100% Rehab HoldbackNon-Dutch Drawn Interest AvailableZero Prepay Penalty
LD-SHELF-MF-525 · NMLS #2827624
Loan Daddy Wholesale Desk — 5–25+ Unit Commercial Multifamily Shelf
Max Leverage: Up to 75% Acquisition / 70% Cash-Out
Min Coverage: 1.20x–1.25x (In-Place NOI)
Loan Range: $400,000 – $25,000,000
Target Close: 18–25 Business Days
5–8u Hybrid & 9–25u CommercialPortfolio Blanket OptionsSPE LLC Vesting
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 · Canonical Integer _cents & _bps Engine
Price/Door: $450,000·Loan/Door: $337,500·Avg Rent/Door: $3,400/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.27xCanonical:
127 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$337,50033,750,000 _cents
Monthly P&I Debt Service$2,161/mo@ 6.625% Note Rate
Total Monthly PITIA$2,675/moTax: $356 · Ins: $158
Net Monthly Cash Flow+$725/mo$8,702/yr net
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) | $2,675/mo | 1.27x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $2,731/mo | 1.25x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $2,483/mo | 1.37x |
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.