5+ Units & Portfolios UNDERWRITING SILO · NMLS #2827624

5+ Unit Commercial Multifamily & Blanket Portfolio Loans

Bottom Line Up Front (BLUF): 5+ Unit Commercial Multifamily & Blanket Portfolio Loans empower scalable operators to finance 5 to 100+ unit apartment complexes or cross-collateralize 5 to 50+ scattered-site rentals under a single master note with partial-release clauses (typically 115%–120% allocated loan payoff).

PURCHASE / R&T LTV

Up to 75%–80% LTV

CASH-OUT REFI LTV

Up to 70%–75% LTV

MINIMUM DSCR & FICO

1.15x – 1.25x · 640–660+ FICO

LOAN SIZE RANGE

$750,000 – $25,000,000+

Appraisal, Income Formula & Prepayment Options for 5+ Units & Portfolios

Required Valuation Report: Commercial Multifamily or Portfolio Valuation + Partial-Release Schedule

Underwriting Income Formula: Aggregate Portfolio / Commercial Annual NOI ÷ Aggregate Annual Debt Service

Prepayment Step-Down Structures: 5-4-3-2-1 Step-Down, 3-2-1 Step-Down, or No Prepayment Penalty

Ideal Investor Strategy: Single-Asset 5+ Unit Commercial Multifamily (5 to 100+ doors) OR Cross-Collateralized Blanket Portfolio Loans. Consolidate multiple hard money or individual DSCR notes into one streamlined monthly payment and single LLC structure. Partial-release provisions allow you to sell individual properties out of a blanket portfolio without refinancing the entire pool. Available across all 50 U.S. states and Washington, D.C. through Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143).

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)16 Units

Price/Door: $160,000·Loan/Door: $120,000·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$2,560,000

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: 134 bps · 7500 bps LTV · 6625 bps Rate

1.34x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$1,920,000192,000,000 _cents

Monthly P&I Debt Service$12,294/mo@ 6.625% Note Rate

Net Operating Income (NOI)$197,476/yr$16,456/mo after 35% OpEx

Net Monthly Cash Flow+$4,162/moCap Rate: 7.71%

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)	$12,294/mo	1.34x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$12,613/mo	1.30x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$11,200/mo	1.47x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.

Compare All 6 Unit Brackets

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)

10 Wholesale Loan Programs & 51-Jurisdiction Coverage

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