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Representative Investor Loan Case Studies (1–4 Units to 25+ Doors)

Bottom Line Up Front (BLUF): Explore how Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143) structures real-world DSCR rental, 5–8 and 5–9 unit crossover multifamily, 5–25 unit commercial apartment, fix-and-flip rehab, ground-up spec construction, and cross-collateralized blanket portfolio transactions nationwide.

Cash-Out Refinance (30-Yr Fixed, No Balloon) · Phoenix, AZ (Maricopa County)

$1.42M 6-Unit Crossover Multifamily DSCR Cash-Out Refinance

Sponsor acquired a 6-unit courtyard apartment building for $920k, invested $140k renovating interiors, and pushed gross rents to $11,400/mo. Refinanced into a 30-year fixed 5–8 unit DSCR loan at 75% of the new $1.42M appraised value in a single-purpose Arizona LLC, returning 100% of initial equity.

Property / Units: 5–8 Unit Crossover DSCR

Loan Amount & Leverage: $1,065,000 (75% LTV) (75% LTV)

Coverage / Metric: 1.21x DSCR · Closed In: 16 Business Days

STR DSCR Purchase Loan · Scottsdale, AZ (85254)

$685k Short-Term Rental (Airbnb) Acquisition Using AirDNA Projections

Investor purchased a 4-bedroom non-HOA residence with a heated pool in 85254. Because the seller had owner-occupied the home, no prior STR history existed; Loan Daddy LLC qualified the deal at 80% LTV using validated AirDNA 65th-percentile market revenue projections.

Property / Units: 1–4 Unit Residential DSCR

Loan Amount & Leverage: $548,000 (80% LTV) (75% LTV)

Coverage / Metric: 1.28x Projected STR DSCR · Closed In: 14 Business Days

Multifamily Bridge + Capex Holdback · Dallas–Fort Worth, TX (Tarrant County)

$2.85M 14-Unit Value-Add Apartment Bridge-to-DSCR Execution

Sponsor acquired a 14-unit 1980s garden apartment complex at 64% occupancy. Structured a 24-month interest-only bridge loan funding 80% of purchase plus $320k in exterior/interior capex draws, followed by a 75% LTV permanent 5–25 unit DSCR takeout once occupancy hit 93%.

Property / Units: 5–25 Unit Mid-Market Apartments

Loan Amount & Leverage: $2,380,000 (80% Purchase + 100% Capex) (75% LTV)

Coverage / Metric: 1.32x Stabilized Exit DSCR · Closed In: 18 Business Days

5–9 Unit DSCR Purchase · Tampa, FL (Hillsborough County)

$1.95M 9-Unit Small-Balance Multifamily Acquisition

Out-of-state LLC acquired a stabilized 9-unit concrete-block multifamily asset in Tampa. Closed with a 30-year fixed 5–9 unit DSCR loan featuring 5-year interest-only payments to maximize Year 1–5 cash-on-cash yield without personal tax returns.

Property / Units: 5–9 Unit Small-Balance Multifamily

Loan Amount & Leverage: $1,462,500 (75% LTV) (75% LTV)

Coverage / Metric: 1.18x NOI DSCR · Closed In: 19 Business Days

5–10 Unit DSCR Rate/Term & Cash-Out · Charlotte, NC (Mecklenburg County)

$2.40M 10-Unit Expanded Multifamily Portfolio Refinance

Paid off a maturing 5-year community bank commercial balloon note on a 10-unit townhome rental community and extracted $340,000 in cash-out proceeds to fund the sponsor’s next acquisition.

Property / Units: 5–10 Unit Expanded Multifamily

Loan Amount & Leverage: $1,800,000 (75% LTV) (75% LTV)

Coverage / Metric: 1.22x NOI DSCR · Closed In: 21 Business Days

Blanket Portfolio DSCR Loan · Atlanta Metro, GA (Fulton & Cobb County)

$4.20M 18-Door Cross-Collateralized Blanket Portfolio DSCR Loan

Consolidated 11 single-family rentals and two 4-unit buildings (19 total units) into one master 30-year fixed blanket DSCR loan with a 115% partial-release clause and a single monthly escrow payment.

Property / Units: 5+ Unit Commercial & Blanket Portfolios

Loan Amount & Leverage: $3,150,000 (75% Aggregate LTV) (75% LTV)

Coverage / Metric: 1.26x Aggregate DSCR · Closed In: 22 Business Days

Fix & Flip 90% LTC / 100% Rehab · Tempe, AZ (85281)

$520k Purchase + $110k Rehab Heavy Fix-and-Flip Bridge Loan

Funded 90% of the acquisition price and 100% of the $110k renovation + detached ADU prep budget on a non-HOA mid-century brick ranch in Tempe, closing in 7 business days to beat competing offers.

Property / Units: 1–4 Unit Value-Add Rehab

Loan Amount & Leverage: $578,000 ($468k Purchase + $110k Rehab) (75% LTV)

Coverage / Metric: 68% of $850,000 ARV · Closed In: 7 Business Days

Ground-Up Spec Construction (85% LTC) · Austin, TX (Travis County)

$1.15M Ground-Up Duplex Spec Construction Loan

Builder owned an infill lot free and clear; land value was credited toward the equity requirement, funding 100% of vertical hard and soft construction costs across 5 milestone draw inspections.

Property / Units: 1–4 Unit Ground-Up Construction

Loan Amount & Leverage: $977,500 (85% Total LTC) (75% LTV)

Coverage / Metric: 69% of $1.42M Completed ARV · Closed In: 15 Business Days

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