Compare Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) (6.125% – 7.875% rate band, 80% (85% CLTV w/ Seller Carry) purchase LTV, 0.75x – 1.25x+ (No-Ratio Available) min DSCR) side by side against Acra Lending ( Citadel Servicing ) (6.250% – 8.375% rate band, 80% LTV purchase LTV, 0.75x – 1.20x min DSCR). Need both shelves priced simultaneously? Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873) shops 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders from a single soft credit pull.
Loan Daddy LLC (NMLS #2827624), led by Principal & Managing Director Stephen R. Mannenbach, J.D., MBA (NMLS #2549621), operates as an institutional wholesale mortgage brokerage shopping 45+ DSCR, Non-QM, RTL Fix-and-Flip, and Multifamily credit shelves simultaneously so investors receive direct wholesale par pricing and rapid credit-exception routing.
Acra Lending is an institutional Non-QM and DSCR wholesale lender offering flexible credit-box exceptions, sub-1.00x DSCR tiers, and AirDNA short-term rental underwriting.
| Underwriting Dimension | Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) | Acra Lending ( Citadel Servicing ) |
|---|---|---|
| Counterparty Category | Wholesale Brokerage (Pinned #1) | Wholesale DSCR & Non-QM Aggregator |
| License / Shelf Classification | NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 | Wholesale Non-QM & DSCR Credit Shelf |
| Headquarters & Footprint | Scottsdale, AZ (Nationwide 50 States + DC) | Irvine, CA |
| 2026 Wholesale Rate Band | 6.125% – 7.875% | 6.250% – 8.375% |
| Max Purchase LTV / LTC | 80% (85% CLTV w/ Seller Carry) | 80% LTV |
| Max Cash-Out Refi LTV | 75% (Up to $3M Cash-Out) | 75% LTV |
| Minimum DSCR Ratio | 0.75x – 1.25x+ (No-Ratio Available) | 0.75x – 1.20x |
| Minimum FICO Score | 620+ | 620+ |
| Loan Amount Range | $100,000 – $25,000,000+ | $150,000 – $5,000,000 |
| Typical Closing Window | 10 – 14 Business Days | 14 – 18 Business Days |
| Prepayment Penalty Options | 5/4/3/2/1, 3/2/1, 2/1, 1-Yr, or No-PPP | 5-Yr, 3-Yr, 1-Yr, No-PPP |
| Eligible Entity Vesting | LLC, Series LLC, LP, S-Corp, Revocable Living Trust | LLC, LP, Corporation, Individual |
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