REHAB & BRRRR LOANS · NMLS #2827624

Investor Rehab & BRRRR Renovation Loans (Purchase + Holdback to DSCR)

Bottom Line Up Front (BLUF): Investor rehab loans are engineered for the Buy, Rehab, Rent, Refinance, Repeat (BRRRR) strategy—funding up to 90% of purchase and 100% of renovation costs, then transitioning into a 75% LTV 30-year fixed DSCR cash-out refinance as soon as work is complete and the property is leased.

Max Leverage

Up to 85%–90% LTC + 100% Rehab Escrowed

Loan Size Band

$100,000 – $15,000,000+

Min Credit Score

620+ FICO

Target Turn Time

7 – 12 Business Days

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)1 Unit

Price/Door: $450,000·Loan/Door: $337,500·Avg Rent/Door: $3,400/mo

Property Value / Purchase Price$450,000

Target LTV %75%

Base Note Rate %6.625%

Gross Monthly Rent (Form 1007 / Lease / STR Projection)$3,400/mo

Tax Rate (%)

Annual Ins ($)

Monthly HOA ($)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 127 bps · 7500 bps LTV · 6625 bps Rate

1.27x

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

Loan Amount (75% LTV)$337,50033,750,000 _cents

Monthly P&I Debt Service$2,161/mo@ 6.625% Note Rate

Total Monthly PITIA$2,675/moTax: $356 · Ins: $158

Net Monthly Cash Flow+$725/mo$8,702/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)	$2,675/mo	1.27x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,731/mo	1.25x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$2,483/mo	1.37x

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

Explore Dedicated Unit-Bracket Tiers

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) →

Available Across All 50 States & Washington, D.C.

Alabama (AL)Alaska (AK)Arizona (AZ)Arkansas (AR)California (CA)Colorado (CO)Connecticut (CT)Delaware (DE)District of Columbia (DC)Florida (FL)Georgia (GA)Hawaii (HI)Idaho (ID)Illinois (IL)Indiana (IN)Iowa (IA)Kansas (KS)Kentucky (KY)Louisiana (LA)Maine (ME)Maryland (MD)Massachusetts (MA)Michigan (MI)Minnesota (MN)Mississippi (MS)Missouri (MO)Montana (MT)Nebraska (NE)Nevada (NV)New Hampshire (NH)New Jersey (NJ)New Mexico (NM)New York (NY)North Carolina (NC)North Dakota (ND)Ohio (OH)Oklahoma (OK)Oregon (OR)Pennsylvania (PA)Rhode Island (RI)South Carolina (SC)South Dakota (SD)Tennessee (TN)Texas (TX)Utah (UT)Vermont (VT)Virginia (VA)Washington (WA)West Virginia (WV)Wisconsin (WI)Wyoming (WY)