Commercial Net-Lease & Industrial Desk · Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873)
NNN Single-Tenant Retail, Industrial Warehouse & SBA 504 vs. Investor DSCR Desk
Compare Absolute NNN, Double-Net (NN), and Modified Gross lease structures, verify Weighted Average Lease Term (WALT) maturity overhang, and evaluate side-by-side Owner-Occupied SBA 504 (50% Bank 1st / 40% CDC 2nd / 10% Equity) vs. Non-Owner-Occupied Investor Commercial DSCR execution.
NNN Retail, Industrial & SBA 504 Desk · Loan Daddy LLC Wholesale Desk · NMLS #2827624
NNN Single-Tenant Retail, Industrial Warehouse & SBA 504 vs. Investor DSCR Calculator
Underwritten Net Operating Income
$309,430/yr
Implied Cap Rate: 7.55%
Investor Commercial DSCR (70% LTV)
1.42x DSCR
Loan: $2,870,000 · 10.78% DY
Owner-User SBA 504 (90% CLTV)
$3,690,000
10% Down ($410,000) · Saves $820,000
WALT vs. Maturity Overhang
+2 Yrs
Gate: CLEAN_WALT_CUSHION
| Execution Track | Occupancy Requirement | Max Leverage / Capital Stack | Down Payment Required | Underwriting Basis |
|---|---|---|---|---|
| Investor Commercial DSCR / CTL | 0% Owner-Occupancy (100% Leased Investor) | 70% Senior 1st Lien ($2,870,000) | $1,230,000 (30%) | In-Place NNN/NN Lease NOI, WALT & Tenant Credit |
| SBA 504 (50 / 40 / 10 Stack) | >= 51% Owner-Occupied Operating Business | 50% Bank 1st ($2,050,000) + 40% CDC 2nd ($1,640,000) | $410,000 (10% Equity) | Operating Business Global Cash Flow >= 1.15x–1.25x |
Regulatory & Compliance Notice: Arranged by Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229). Loan Daddy LLC is a mortgage broker, not a lender. Business-purpose and commercial real estate only. Zero interest rates or APRs are quoted on this page.