15 CSI Construction Divisions · 4-Stage Inspection Waterfall · Non-Dutch Bridge Desk

Rehab Scope of Work (SOW) & 4-Stage Construction Draw Schedule Builder

Direct Answer (Rehab Holdback & Draw Underwriting Rule): Institutional Fix & Flip and BRRRR bridge lenders fund up to 85%–90% of as-is purchase price plus 100% of verified rehab costs (capped at 70%–75% of After-Repair Value / ARV), disbursed across 4 inspection draw stages. Structuring on a Non-Dutch drawn-balance shelf (LD-SHELF-RTL-BRIDGE) charges interest only on disbursed funds rather than the full undrawn rehab reserve, saving borrowers thousands during construction. Arranged by Loan Daddy LLC (NMLS #2827624 · [email protected]).

As-Is Purchase Price ($)

Projected After-Repair Value / ARV ($)

Expected Rehab Hold Period (Months)

15-Trade Rehab Holdback

$110,000

Total Cost: $430,000

Total Bridge Loan (LTC / ARV)

$382,000

88.8% LTC · 72.8% ARV LTV

Non-Dutch Interest Saved

+$3,086

Drawn-Balance vs. Dutch Full-Note

90-Day 75% ARV DSCR Takeout

$393,750

Net Payoff Cushion: $11,750

Draw 1: Demo, Framing & Structural

$20,500 (19%)

Draw 2: Roof, Windows & MEP Rough-In

$36,500 (33%)

Draw 3: Drywall, Kitchens, Baths & Floors

$41,500 (38%)

Draw 4: Exterior, Final Punchlist & CO

$11,500 (10%)

15-Trade CSI Division Scope of Work (SOW) & Draw Allocation Table

CSI Division	Construction Trade / Line Item	Inspection Draw Stage	% of Rehab
Div 02	Demolition, Hauling & Dumpsters	Draw Stage #1	4.1%
Div 03	Foundation, Concrete & Structural	Draw Stage #1	5.5%
Div 06	Rough Framing & Subfloor Carpentry	Draw Stage #1	6.8%
Div 07	Roofing, Fascia & Gutters	Draw Stage #2	8.6%
Div 22	Plumbing Rough-In, Re-Pipe & Water Heater	Draw Stage #2	5.9%
Div 26	Electrical 200A Panel & Re-Wire	Draw Stage #2	5.5%
Div 23	HVAC Condenser, Ductwork & Mini-Splits	Draw Stage #2	7.3%
Div 09A	Insulation, Drywall & Interior/Exterior Paint	Draw Stage #3	8.2%
Div 09B	LVP Flooring, Tile & Baseboards	Draw Stage #3	7.7%
Div 12A	Kitchen Shaker Cabinets, Quartz & Appliances	Draw Stage #3	13.2%
Div 12B	Bathrooms, Vanities, Tubs & Tile Surrounds	Draw Stage #3	8.6%
Div 08	Low-E Windows, Sliders & Entry Doors	Draw Stage #2	5.9%
Div 32	Stucco/Siding, Driveway & Landscaping	Draw Stage #4	4.5%
Div 01A	Permits, Architecture & Engineering Plans	Draw Stage #1	2.3%
Div 01B	10% Hard-Cost Contingency Reserve	Draw Stage #4	5.9%

LD-SHELF-RTL-BRIDGE (Non-Dutch Drawn-Balance) + LD-SHELF-PRIME-104 (90-Day ARV Takeout)

Lock Non-Dutch Rehab Financing + Waived-Exit-Fee DSCR Takeout

Submit your 15-trade SOW to Loan Daddy LLC (NMLS #2827624 · (480) 485-1229) for 85%–90% purchase + 100% rehab holdback on a Non-Dutch drawn-balance shelf.

Submit SOW to Bridge & BRRRR Desk ([email protected]) →