About Hard Money Bot

The problem we solve

Investors lose time calling lender after lender with the same deal, hearing different answers, and getting quoted pricing that changes by the time the file is real. Each wholesale lender has its own box: property types, states, loan sizes, credit overlays, rent requirements, construction experience minimums. Finding the right box for your deal is a full-time job — so we made it ours.

You send the deal once. We read it the way an underwriter will — value, exit, rent coverage, condition, entity, timeline — and match it against the wholesale lender programs that actually take that file. You get options with the trade-offs explained, and you choose.

What we are, precisely

Hard Money Bot is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a mortgage broker: we arrange financing. We are not a lender, we do not fund loans from our own balance sheet, and we do not advertise pricing on this site because pricing belongs to the wholesale lender that underwrites your specific file.

Everything we arrange is business-purpose financing for non-owner-occupied investment property. We do not do primary-residence or consumer-purpose loans. If you are buying a home to live in, we are not the right shop — and we will say so on the first call.

Who we work with

• Fix-and-flip investors buying distressed property, renovating and selling.
• BRRRR investors buying, renovating, renting and refinancing to recycle capital.
• Landlords buying or refinancing rentals with DSCR loans qualified on the property's rent.
• Investors and builders doing ground-up construction of non-owner-occupied homes and small multifamily.
• Anyone needing bridge financing to move fast on a non-owner-occupied property and exit later.

How we make money

We are paid broker compensation when a loan we arrange closes. How much, and whether it is paid by you or by the wholesale lender, is disclosed in writing in your loan documents before you sign — so you can compare it alongside interest, points and lender fees. Ask us about it on the first call. Our business depends on investors coming back for the next flip or rental, and that only happens when the first file was placed in a program that actually fit.

Licensing

Loan Daddy LLC operates under NMLS #2827624. Full license details are on our licensing page and verifiable at NMLS Consumer Access.

Related reading

• Licensing details
• How hard money works
• Frequently asked questions
• Submit a deal