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 DSCR Loans in Nevada — Las Vegas, Henderson & Reno Cash-Flow Rental Financing Up to 80% LTV.
| Credit-Box Parameter | Loan Daddy Wholesale Desk (45+ Shelves) | Typical Single-Shelf Direct Lender | Community Bank / Portfolio Bank |
|---|---|---|---|
| Max Leverage / LTC | Up to 75% LTV Cash-Out (Select 80% LTV Tiers) | 5%–10% Lower on Exceptions | 65%–70% Max LTV |
| 2026 Rate Band | 6.625% – 8.375% | +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 | 14 – 21 Business Days | 21–30 Days | 45–60 Days |