Investor loan questions, answered straight

Hard Money Loan App is a Loan Daddy LLC brand, NMLS 2827624. Loan Daddy LLC is a mortgage broker, not a lender. We arrange and shop business-purpose hard money, bridge and DSCR financing from wholesale lenders for non-owner-occupied investment property.

No. Broker, not lender. We arrange and shop financing from wholesale lenders, compare how each reads your deal, and help you through the file. The wholesale lender makes the credit decision and provides the funds.

Non-owner-occupied investment property only: rentals, flips, bridge scenarios, BRRRR projects and ground-up rental construction held for business purposes. If you plan to live in the property, we cannot help with that purchase on this site.

The property and the plan lead: purchase price, renovation budget, finished value or rent, reserves and the exit. Personal financial strength supports the file, but the deal itself carries unusual weight in the decision.

Often, yes. Many wholesale lenders allow or prefer entity borrowing for investment property. Entity formation documents, the operating agreement and member details become part of the file, and we check the match early.

There is no single number used by every lender. DSCR is rent divided by the full carrying cost of principal, interest, taxes, insurance and HOA dues. Stronger documented coverage reads better; run your real figures in a separate rental coverage worksheet.

Sometimes, where nightly rental is lawful under city and HOA rules and the income is documented. Lawful use and records matter as much as the headline income, and programs differ in how they read booking history.

Renovation funds are commonly released in stages after completed work is verified by inspection. Plan cash for contractor deposits, early materials and carrying payments so the draw rhythm never stalls the project.

Spanning a defined gap: buying before a sale closes, finishing a renovation, or leasing a property until it qualifies for long-term financing. The exit on the far side should be dated and evidenced before the bridge closes.

Yes, that is the standard BRRRR and fix-and-hold exit. Once the property is finished and leased, the rent must cover the long-term carrying cost. We test that math before you buy, not just before you refinance.

The purchase contract, entity records, identification, a line-item rehab budget, contractor details, insurance quotes and proof of reserves, plus your exit evidence — comparable sales for a sale or rent coverage math for a hold.

No. This site publishes no pricing figures and makes no approval promises, because both depend on the actual property, borrower and lender program. Send the scenario and we will shop wholesale lenders and show you real options.

We review business-purpose scenarios from investors in many states, subject to licensing and lender availability for the property state, and publish detailed guides for Phoenix, Dallas, Houston, Atlanta, Tampa, Columbus, Nashville and Denver. Property eligibility and lender appetite vary by market, so send the address and we will check the fit.

Use the application page. Tell us the property, the plan, the numbers and the exit. A Loan Daddy loan specialist will follow up. Loan Daddy LLC is a mortgage broker, not a lender.