Compare institutional DSCR, Non-QM, RTL Fix-and-Flip, and commercial multifamily lenders side by side on 2026 rate bands, maximum purchase and cash-out LTV, minimum DSCR floor, FICO cutoffs, and prepayment penalty step-downs. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873) shops 45+ wholesale shelves simultaneously so investors never overpay on rate or points.
| Lender / Wholesale Desk | 2026 Rate Band | Max Purchase LTV | Max Cash-Out LTV | Min DSCR | Min FICO | Closing Window | Profile |
|---|---|---|---|---|---|---|---|
| Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk) | Wholesale Par DSCR & Non-QM Execution | 80% (85% CLTV w/ Seller Carry) | 75% (Up to $3M Cash-Out) | 0.75x – 1.25x+ (No-Ratio Available) | 620+ | 10 – 14 Business Days | Specs → |
| Kiavi (Formerly LendingHome) | Wholesale Par DSCR & Non-QM Execution | 80% DSCR / 90% RTL LTC | 75% DSCR | 1.00x – 1.20x | 660+ | 10 – 15 Business Days | Specs → |
| Roc Capital (Roc360) | Wholesale Par DSCR & Non-QM Execution | 80% DSCR / 85% RTL LTC | 75% DSCR | 0.85x – 1.20x | 640+ | 12 – 18 Business Days | Specs → |
| Lima One Capital | Wholesale Par DSCR & Non-QM Execution | 80% DSCR / 90% RTL LTC | 75% DSCR | 1.00x – 1.20x | 660+ | 14 – 21 Business Days | Specs → |
| Visio Lending | Wholesale Par DSCR & Non-QM Execution | 80% LTV | 75% LTV | 1.00x – 1.25x | 680+ | 15 – 21 Business Days | Specs → |
| CoreVest American Finance | Wholesale Par DSCR & Non-QM Execution | 80% LTV | 75% LTV | 1.10x – 1.25x | 660+ | 15 – 25 Business Days | Specs → |
| Velocity Mortgage Capital | Wholesale Par DSCR & Non-QM Execution | 80% LTV | 75% LTV | 0.75x – 1.20x | 640+ | 14 – 20 Business Days | Specs → |
| Angel Oak Mortgage Solutions | Wholesale Par DSCR & Non-QM Execution | 80% LTV (85% Select Tiers) | 75% LTV | 0.75x – 1.25x | 640+ | 14 – 18 Business Days | Specs → |
| Acra Lending ( Citadel Servicing ) | Wholesale Par DSCR & Non-QM Execution | 80% LTV | 75% LTV | 0.75x – 1.20x | 620+ | 14 – 18 Business Days | Specs → |
| Anchor Loans | Wholesale Par DSCR & Non-QM Execution | 85% – 90% LTC (100% Rehab) | 70% Bridge Refi | N/A (Asset-Based ARV Bridge) | 640+ | 7 – 12 Business Days | Specs → |