HARD MONEY LOANS · NMLS #2827624

Hard Money Loans (Fast Asset-Based Acquisition & Bridge)

Bottom Line Up Front (BLUF): Hard money loans provide rapid, asset-backed acquisition and renovation capital for real estate investors purchasing distressed, auction, off-market, or value-add properties. Underwritten on After-Repair Value (ARV) and equity rather than bank DTI rules, hard money loans through Loan Daddy LLC close in as little as 5 to 10 business days.

Max Leverage

Up to 85%–90% LTC / 75% ARV

Loan Size Band

$100,000 – $15,000,000+

Min Credit Score

600 – 640+ FICO (Asset-Backed)

Target Turn Time

5 – 10 Business Days

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 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)1 Unit

Price/Door: $450,000·Loan/Door: $337,500·Avg Rent/Door: $3,400/mo

Property Value / Purchase Price$450,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,400/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 127 bps · 7500 bps LTV · 6625 bps Rate

1.27x

Tier-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

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)	$2,675/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.

Explore Dedicated Unit-Bracket Tiers

1–4 Units (1–4 Units) →5–8 Units (5–8 Units) →5–9 Units (5–9 Units) →5–10 Units (5–10 Units) →5–25 Units (5–25 Units) →5+ Units & Portfolios (5+ Units & Portfolios) →

Available Across All 50 States & Washington, D.C.

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