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Commercial & DSCR Investor Deal Desk · NMLS #2827624
Private & Hard Money Lending for Real Estate Investors
Qualify primarily on the investment property's rental income and debt service coverage ratio. We compare wholesale DSCR programs and match your scenario to the right capital shelf.
Quick Answer · Business-Purpose Investor Brief
A DSCR (Debt Service Coverage Ratio) loan is a business-purpose mortgage for non-owner-occupied rental property where qualification is based on the property's monthly rent divided by its total monthly payment (PITIA). Loan Daddy LLC (NMLS #2827624) is a mortgage broker that compares wholesale DSCR programs.
Private Hard Money Lending Interactive Calculator
Model your investment property numbers with your own target rate assumptions. No hardcoded rates — enter your scenario below and send it to a Loan Daddy loan specialist for wholesale broker options.
Total Project Cost$340,000
Loan-to-Cost (LTC)80.0%
Loan-to-ARV (LTARV)61.8%
Gross ARV Spread$100,000
For illustrative business-purpose investment modeling only. Calculator outputs use your self-entered assumptions and are not a rate quote, credit decision, or commitment to lend. Loan Daddy LLC (NMLS #2827624) is a mortgage broker, not a lender.
Program Structure Comparison: DSCR vs. Private Money Bridge vs. Conventional Investment
Side-by-side structural comparison for non-owner-occupied investment real estate. Loan Daddy LLC (NMLS #2827624) acts as a mortgage broker to compare wholesale options across multiple capital shelves.
| Guideline Dimension | DSCR Rental Loan (Business-Purpose) | Private Money / Bridge Loan (Business-Purpose) | Conventional Investment Mortgage |
|---|---|---|---|
| Primary Qualification | Property rental cash flow (Gross Rent ÷ PITIA) | Purchase basis, rehab budget (LTC), after-repair value (ARV), and exit plan | Personal debt-to-income ratio (DTI) and verified employment |
| Income Documentation | Appraisal Form 1007/1025 market rent schedule and/or lease | Asset equity, scope of work, and after-repair appraisal | Full personal & business income underwriting |
| Entity / LLC Vesting | Supported (LLC, LP, Corporation, or Individual) | Supported (typically required or preferred for business purpose) | Generally restricted to individual borrower vesting at closing |
| Property Occupancy | Strictly non-owner-occupied investment property | Strictly non-owner-occupied investment property | Investment property (subject to financed-property count caps) |
| Typical Use Case | Long-term or short-term rental acquisition & refinance | Value-add acquisition, rehab/fix-and-flip, or transitional bridge | W-2 borrowers with low DTI and fewer financed properties |
| Loan Daddy LLC Role | Wholesale mortgage broker comparing multiple DSCR shelves | Wholesale mortgage broker comparing private & bridge capital | Scenario comparison benchmark |
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Tell us about the deal and a Loan Daddy loan specialist will follow up. Loan Daddy LLC is a mortgage broker, not a lender.
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Frequently Asked Questions About Private Hard Money Lending
What are the typical terms for Private Hard Money Lending?
Private and hard money investor loans are asset-based business-purpose loans underwritten primarily on property value, equity, and exit strategy (or rental cash flow for long-term rental programs). Timing depends on appraisal and title readiness, and program guidelines vary by lender.
Do private money and bridge loans require tax returns or W-2s?
Many business-purpose investor bridge and DSCR rental programs focus on the property: its value, its rental income, liquidity reserves, and borrower track record, subject to lender guidelines.
How do lenders calculate Loan-to-Cost (LTC) vs. Loan-to-ARV (LTARV)?
Loan-to-Cost (LTC) measures the total loan against purchase price plus documented renovation budget, while Loan-to-ARV (LTARV) caps total leverage against the appraiser’s estimated After-Repair Value. Wholesale bridge lenders evaluate both ratios together.
How do renovation holdback draws work on fix-and-flip bridge loans?
Rehab funds are held in construction escrow at closing and released in milestone draws after third-party inspection confirms completed work against your approved scope of work.
Can I close in an LLC or business entity?
Yes. Business-purpose real estate investor loans are commonly closed in LLCs, corporations, or limited partnerships, subject to lender underwriting guidelines.
How do I transition from a short-term private money bridge loan into a 30-year DSCR rental loan?
Investors who decide to hold a renovated property as a rental commonly refinance out of their short-term bridge note into a 30-year fixed DSCR loan once renovations are complete and market rent is verified via Form 1007 or an executed lease.
Are primary residences eligible for private or hard money loans on this site?
No. Loan Daddy LLC (NMLS #2827624) arranges business-purpose loans on non-owner-occupied investment real estate only.
Why work with a mortgage broker instead of a single lender?
Loan Daddy LLC (NMLS #2827624) is a mortgage broker, not a lender. We compare multiple wholesale private money, bridge, and DSCR capital sources so you can review competing program options side by side.