Published by Loan Daddy LLC · NMLS #2827624Broker, not lenderAZ CMB-2016143 · Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873Non-owner-occupied investment property only
Commercial DSCR Investor Deal Desk
CASH-OUT REFINANCE · Wholesale Shelf Comparison · hardmoney.bot

Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) — Side-by-Side Wholesale Credit-Box Comparison

Investor DSCR Cash-Out Refinance (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Units) offer Up to 75% LTV Cash-Out (Select 80% LTV Tiers) across loan amounts of $100,000 – $15,000,000+ at 6.625% – 8.375% (30-Yr Fixed, 10-Yr Interest-Only, 40-Yr Interest-Only, 640 – 680+ FICO min FICO, 14 – 21 Business Days close). Compare wholesale brokerage execution via Loan Daddy LLC (NMLS #2827624) against single-shelf retail lenders on HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets.

Credit-Box ParameterLoan Daddy Wholesale Desk (45+ Shelves)Typical Single-Shelf Direct LenderCommunity Bank / Portfolio Bank
Max Leverage / LTCUp to 75% LTV Cash-Out (Select 80% LTV Tiers)5%–10% Lower on Exceptions65%–70% Max LTV
2026 Rate Band6.625% – 8.375%+37.5 to +87.5 bps Retail MarginFloating WSJ Prime + Spread
Loan Amount Range$100,000 – $15,000,000+$150K–$3M CapLocal Footprint Only
Tax Returns / DTI RequiredNone (Asset Cash-Flow Only)None2 Years Full Tax Returns + Global DTI
Target Closing Speed14 – 21 Business Days21–30 Days45–60 Days

Compare Cash-Out Refinance by State (51 Jurisdictions)

AL Cash-Out RefinanceAK Cash-Out RefinanceAZ Cash-Out RefinanceAR Cash-Out RefinanceCA Cash-Out RefinanceCO Cash-Out RefinanceCT Cash-Out RefinanceDE Cash-Out RefinanceDC Cash-Out RefinanceFL Cash-Out RefinanceGA Cash-Out RefinanceHI Cash-Out RefinanceID Cash-Out RefinanceIL Cash-Out RefinanceIN Cash-Out RefinanceIA Cash-Out RefinanceKS Cash-Out RefinanceKY Cash-Out RefinanceLA Cash-Out RefinanceME Cash-Out RefinanceMD Cash-Out RefinanceMA Cash-Out RefinanceMI Cash-Out RefinanceMN Cash-Out RefinanceMS Cash-Out RefinanceMO Cash-Out RefinanceMT Cash-Out RefinanceNE Cash-Out RefinanceNV Cash-Out RefinanceNH Cash-Out RefinanceNJ Cash-Out RefinanceNM Cash-Out RefinanceNY Cash-Out RefinanceNC Cash-Out RefinanceND Cash-Out RefinanceOH Cash-Out RefinanceOK Cash-Out RefinanceOR Cash-Out RefinancePA Cash-Out RefinanceRI Cash-Out RefinanceSC Cash-Out RefinanceSD Cash-Out RefinanceTN Cash-Out RefinanceTX Cash-Out RefinanceUT Cash-Out RefinanceVT Cash-Out RefinanceVA Cash-Out RefinanceWA Cash-Out RefinanceWV Cash-Out RefinanceWI Cash-Out RefinanceWY Cash-Out Refinance
Cash-Out Refinance Lender Comparison Matrix (Up to 75% LTV Cash-Out (Select 80% LTV Tiers)) | HardMoney.bot — Instant LTC/ARV Fix-and-Flip Underwriting & 24-Hour Bridge Term Sheets