5+ Unit Commercial Multifamily & Blanket Portfolio Loans
Appraisal, Income Formula & Prepayment Options for 5+ Units & Portfolios
Required Valuation Report: Commercial Multifamily or Portfolio Valuation + Partial-Release Schedule
Underwriting Income Formula: Aggregate Portfolio / Commercial Annual NOI ÷ Aggregate Annual Debt Service
Prepayment Step-Down Structures: 5-4-3-2-1 Step-Down, 3-2-1 Step-Down, or No Prepayment Penalty
Ideal Investor Strategy: Single-Asset 5+ Unit Commercial Multifamily (5 to 100+ doors) OR Cross-Collateralized Blanket Portfolio Loans. Consolidate multiple hard money or individual DSCR notes into one streamlined monthly payment and single LLC structure. Partial-release provisions allow you to sell individual properties out of a blanket portfolio without refinancing the entire pool. Available across all 50 U.S. states and Washington, D.C. through Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143).
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
134 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
| 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) | $12,294/mo | 1.34x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $12,613/mo | 1.30x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $11,200/mo | 1.47x |
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.