Fix and Flip Loans (Up to 90% Purchase LTC + 100% Rehab Financing) offer Up to 90% Purchase + 100% Rehab (75% ARV Cap) across loan amounts of $100,000 – $15,000,000+ at 9.25% – 11.25% Interest-Only (12 – 18 Months Interest-Only (No Prepayment Penalty), 620 – 660+ FICO min FICO, 7 – 10 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 Parameter | Loan Daddy Wholesale Desk (45+ Shelves) | Typical Single-Shelf Direct Lender | Community Bank / Portfolio Bank |
|---|---|---|---|
| Max Leverage / LTC | Up to 90% Purchase + 100% Rehab (75% ARV Cap) | 5%–10% Lower on Exceptions | 65%–70% Max LTV |
| 2026 Rate Band | 9.25% – 11.25% Interest-Only | +37.5 to +87.5 bps Retail Margin | Floating WSJ Prime + Spread |
| Loan Amount Range | $100,000 – $15,000,000+ | $150K–$3M Cap | Local Footprint Only |
| Tax Returns / DTI Required | None (Asset Cash-Flow Only) | None | 2 Years Full Tax Returns + Global DTI |
| Target Closing Speed | 7 – 10 Business Days | 21–30 Days | 45–60 Days |