1–4 Units UNDERWRITING SILO · NMLS #2827624

1–4 Unit Residential DSCR Loans

Bottom Line Up Front (BLUF): 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 verified 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 REFI LTV

Up to 75% LTV

MINIMUM DSCR & FICO

0.75x – 1.00x+ · 640–660+ FICO

LOAN SIZE RANGE

$100,000 – $3,500,000

Appraisal, Income Formula & Prepayment Options for 1–4 Units

Required Valuation Report: FNMA Form 1004 (SFR) / Form 1025 (2–4 Unit) + Form 1007 Rent Schedule or STR Projection

Underwriting Income Formula: Gross Monthly Qualifying Rent ÷ Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA)

Prepayment Step-Down Structures: 5-4-3-2-1 Step-Down, 3-2-1 Step-Down, or No Prepayment Penalty

Ideal Investor Strategy: Up to 80% LTV on Purchases & Rate-and-Term Refinances; up to 75% LTV on Cash-Out Refinances. Qualify on Form 1007 / Form 1025 market rent, executed long-term lease, or verified 12-month STR booking ledger. 30-Year Fixed, 5/1 & 7/1 ARM, 10-Year Interest-Only, and 40-Year Interest-Only amortization options. Close directly in a Single-Member LLC, Multi-Member LLC, LP, Corporation, or Trust with no 10-property Fannie/Freddie cap.

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)2 Units

Price/Door: $240,000·Loan/Door: $180,000·Avg Rent/Door: $1,900/mo

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

Property Value / Purchase Price$480,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,800/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 133 bps · 7500 bps LTV · 6625 bps Rate

1.33x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$360,00036,000,000 _cents

Monthly P&I Debt Service$2,305/mo@ 6.625% Note Rate

Total Monthly PITIA$2,853/moTax: $380 · Ins: $168

Net Monthly Cash Flow+$947/mo$11,363/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)	$2,853/mo	1.33x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,913/mo	1.30x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,648/mo	1.44x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Compare All 6 Unit Brackets

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)

10 Wholesale Loan Programs & 51-Jurisdiction Coverage

DSCR Loans Hard Money Loans Private Money Loans Fix & Flip Loans Bridge Loans Ground-Up Construction Multifamily (5+ Units)Commercial Property Rehab & BRRRR Loans Cash-Out Refinance

Alabama 1–4 Units →Alaska 1–4 Units →Arizona 1–4 Units →Arkansas 1–4 Units →California 1–4 Units →Colorado 1–4 Units →Connecticut 1–4 Units →Delaware 1–4 Units →District of Columbia 1–4 Units →Florida 1–4 Units →Georgia 1–4 Units →Hawaii 1–4 Units →Idaho 1–4 Units →Illinois 1–4 Units →Indiana 1–4 Units →Iowa 1–4 Units →Kansas 1–4 Units →Kentucky 1–4 Units →View All 50 States + D.C. →