MULTIFAMILY (5+ UNITS) · NMLS #2827624

Multifamily Loans (5–8, 5–9, 5–10, 5–25 & 5+ Unit Apartment Financing)

Bottom Line Up Front (BLUF): Multifamily loans through Loan Daddy LLC (NMLS #2827624) cover every apartment unit bracket—including 5–8 unit residential crossover DSCR, 5–9 and 5–10 unit small-balance apartments, 5–25 unit mid-market buildings, and 5+ unit commercial communities—offering both permanent 30-year fixed financing and value-add bridge-to-perm capital.

Max Leverage

Up to 75%–80% LTV Purchase / 70%–75% Cash-Out

Loan Size Band

$100,000 – $15,000,000+

Min Credit Score

660+ FICO

Target Turn Time

21 – 30 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 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)8 Units

Price/Door: $56,250·Loan/Door: $42,188·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$450,000

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: 384 bps · 7500 bps LTV · 6625 bps Rate

3.84x

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

Net Operating Income (NOI)$99,664/yr$8,305/mo after 35% OpEx

Net Monthly Cash Flow+$6,144/moCap Rate: 22.15%

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)	$2,161/mo	3.84x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$2,217/mo	3.75x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$1,969/mo	4.22x

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.

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