Bridge Exit & Coupon Reduction · Up to 80% LTV · LoanDaddy App — Interactive DSCR Cash-Flow Underwriting, PITIA Modeling & 24-Hour Term Sheets · Loan Daddy LLC (NMLS #2827624)

DSCR Rate-and-Term Refinance Loans Up to 80% LTV (2026)

Direct Underwriting Answer: A DSCR Rate-and-Term Refinance pays off existing first/second mortgage liens plus closing costs (with ≤ $2,000 or 2% incidental cash back) up to 80% LTV without triggering the +0.250 to +0.625 point cash-out LLPA adjustment.

Max Rate/Term LTV

80% LTV

5% higher leverage than cash-out refinance.

Coupon Advantage

-12.5 to -25 bps

Avoids cash-out LLPA surcharge across all LTV tiers.

Seasoning Rule

Immediate / 30d

Pay off hard-money or seller-carry notes with minimal seasoning.

Amortization

30-Yr Fixed / 10-Yr IO

10-year interest-only option maximizes monthly cash flow.

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