5–25 Units UNDERWRITING SILO · NMLS #2827624

5–25 Unit Mid-Market Apartment DSCR & Bridge Loans

Bottom Line Up Front (BLUF): 5–25 Unit Mid-Market Apartment Loans through Loan Daddy LLC (NMLS #2827624) finance both stabilized cash-flowing apartment buildings (via 30-year fixed DSCR / commercial permanent debt) and under-performing value-add complexes (via 12–36 month interest-only multifamily bridge loans with 100% capex holdbacks).

PURCHASE / R&T LTV

Up to 75%–80% LTV

CASH-OUT REFI LTV

Up to 70% LTV

MINIMUM DSCR & FICO

1.15x – 1.25x · 640–660+ FICO

LOAN SIZE RANGE

$1,000,000 – $15,000,000

Appraisal, Income Formula & Prepayment Options for 5–25 Units

Required Valuation Report: MAI Commercial Appraisal + Phase I ESA (when required) + Property Condition Assessment

Underwriting Income Formula: Stabilized Annual Net Operating Income (NOI) ÷ 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: Dual-track execution: Permanent DSCR loans for stabilized 5–25 unit buildings (85%+ occupancy) or Value-Add Bridge for lease-up/rehab. Loan sizes from $1M to $15M+ with non-recourse options and interest-only periods up to 10 years. Underwritten on T-12 Effective Gross Income, rub/utility bill-back upside, and verified sub-market vacancy rates. Direct access to commercial debt funds, life insurance correspondents, CMBS/Agency small-balance, and Non-QM multifamily shelves.

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)16 Units

Price/Door: $160,000·Loan/Door: $120,000·Avg Rent/Door: $1,650/mo

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

Multifamily Acquisition / Appraised Value$2,560,000

Target LTV %75%

Base Note Rate %6.625%

Avg Rent / Door / Mo$1,650

RUBS / Other Income (/Mo)$250

Vacancy Floor (%) — Min 5%

T-12 OpEx Ratio (% of EGI)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 134 bps · 7500 bps LTV · 6625 bps Rate

1.34x

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

Loan Amount (75% LTV)$1,920,000192,000,000 _cents

Monthly P&I Debt Service$12,294/mo@ 6.625% Note Rate

Net Operating Income (NOI)$197,476/yr$16,456/mo after 35% OpEx

Net Monthly Cash Flow+$4,162/moCap Rate: 7.71%

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)	$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.

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

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