Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing) offer Up to 75%–80% LTV Purchase / 70%–75% Cash-Out across loan amounts of $100,000 – $15,000,000+ at 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) (30-Yr Fixed, 5/1 & 7/1 ARM, 10-Yr IO, 24-Mo Bridge, 660+ FICO min FICO, 21 – 30 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on Investment Property Loan — Compare DSCR, Bridge & Portfolio Financing Across 2,404 Lenders.
| Credit-Box Parameter | Loan Daddy Wholesale Desk (45+ Shelves) | Typical Single-Shelf Direct Lender | Community Bank / Portfolio Bank |
|---|---|---|---|
| Max Leverage / LTC | Up to 75%–80% LTV Purchase / 70%–75% Cash-Out | 5%–10% Lower on Exceptions | 65%–70% Max LTV |
| 2026 Rate Band | 6.50% – 8.50% (Perm) / 8.99%+ (Value-Add Bridge) | +37.5 to +87.5 bps Retail Margin | Floating WSJ Prime + Spread |
| Loan Amount Range | $100,000 – $15,000,000+ | $150K–$3M Cap | Local Footprint Only |
| Tax Returns / DTI Required | None (Asset Cash-Flow Only) | None | 2 Years Full Tax Returns + Global DTI |
| Target Closing Speed | 21 – 30 Business Days | 21–30 Days | 45–60 Days |