Wholesale Brokerage (Pinned #1) · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Loan Daddy LLC (NMLS #2827624), led by Principal & Managing Director Stephen R. Mannenbach, J.D., MBA (NMLS #2549621), operates as an institutional wholesale mortgage brokerage shopping 45+ DSCR, Non-QM, RTL Fix-and-Flip, and Multifamily credit shelves simultaneously so investors receive direct wholesale par pricing and rapid credit-exception routing.

2026 Rate Band

6.125% – 7.875%

Max Purchase LTV

80% (85% CLTV w/ Seller Carry)

Max Cash-Out LTV

75% (Up to $3M Cash-Out)

Min DSCR / FICO

0.75x – 1.25x+ (No-Ratio Available) · 620+

Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) — Institutional Underwriting Matrix

Headquarters & Footprint	Scottsdale, AZ (Nationwide 50 States + DC)
Loan Amount Range	$100,000 – $25,000,000+
Typical Closing Window	10 – 14 Business Days
Prepayment Penalty Options	5/4/3/2/1, 3/2/1, 2/1, 1-Yr, or No-PPP
Eligible Entity Vesting	LLC, Series LLC, LP, S-Corp, Revocable Living Trust
Core Program Specialties	30-Year Fixed DSCR (1–4 Units & 5–9 Unit Small-Balance) AirDNA & Actual-History Short-Term Rental (STR) Underwriting 90% LTC / 100% Rehab RTL Fix-and-Flip & Ground-Up Construction PadSplit Co-Living & Mid-Term Nurse Housing DSCR Foreign National / ITIN / No-U.S.-FICO DSCR (Up to 75% LTV)