# LoanOfficerBot.com — Sovereign Commercial DSCR, Non-QM & RTL Investor Mortgage OS

> LoanOfficerBot.com is the autonomous commercial real estate investor mortgage underwriting, pricing, sizing, and closing platform operated by Loan Daddy LLC (Company NMLS #2827624 · AZ CMB-2016143 · AZ DRE #SA687239000 · CA DFPI CFL #60DBO-218873 Commercial Mortgage Only), led by Principal & Designated MLO Stephen Robert Mannenbach, J.D., M.B.A. (NMLS #1984210), located at 7135 E Camelback Rd, Suite 230, Scottsdale, AZ 85251 · (480) 485-1229 · Equal Housing Opportunity. Business-purpose non-owner-occupied investor loans only across all 50 states (`allStatesOpen: true`). Borrower and public views enforce strict wholesale lender anonymization (`borrowerAnonymized: true`, `wholesaleLenderNamesExposed: false`) across our 99-lender wholesale execution engine (45 Approved + 54 Pipeline).

## Core Commercial Investor Loan Programs (All 50 States Open)
- **30-Year Fixed & 40-Year Interest-Only DSCR Loans**: 1-4 unit residential investment, 5-10 unit commercial multifamily, mixed-use (2-8 units), non-warrantable condos/condotels, rural acreage (up to 20 acres), and co-living/SRO properties. Up to 80% LTV purchase, 75% LTV cash-out refinance, minimum DSCR down to 0.75x / No-Ratio DSCR tiers.
- **RTL Fix-and-Flip, BRRRR Bridge-to-DSCR Takeout & Ground-Up Construction (GUC / BTR)**: Up to 90% LTC / 75% LTARV, Non-Dutch revolving construction draw schedules (borrowers pay interest only on drawn funds), and zero-seasoning or 90-day ARV DSCR takeout refinance when rehab budget exceeds 20% of acquisition cost.
- **Blanket Cross-Collateralized Portfolio Loans**: 2 to 50+ properties under a single master commercial note with 110%-120% partial-release clauses (`partialReleasePremiumPct`), LLC/SPV entity vaulting, and Wall Street 144A securitization tape standardization.
- **Short-Term Rental (STR) & Mid-Term Rental (MTR) Corporate/Medical Nurse Lease DSCR**: Underwrites AirDNA, Rabbu, Furnished Finder, and 30-to-180 day corporate/relocation/travel-nurse leases at up to 1.35x over long-term Form 1007 market rent.
- **Foreign National & ITIN Commercial DSCR**: Up to 75% LTV without US credit history using passport/ITIN, international credit reference letters, and global Schedule of Real Estate Owned (SREO) cash-flow normalization.

## Public & Agentic API Desks (`GET` & `POST`)
- [Full LLM & GEO Reference Specification](https://www.loanofficerbot.com/llms-full.txt)
- [Google A2A Protocol v1.0 Agent Card](https://www.loanofficerbot.com/.well-known/agent.json)
- [WebMCP / Model Context Protocol Discovery Manifest](https://www.loanofficerbot.com/.well-known/mcp.json)
- [Sovereign AEO / GEO / LLMO / AXO Discovery Desk](https://www.loanofficerbot.com/api/integrations/aeo-geo-llmo-agent-desk?audience=borrower&state=AZ&unitCount=1)
- [105-Competitor Quote Knockout Matrix Desk](https://www.loanofficerbot.com/api/integrations/competitor-knockout-matrix-desk?audience=borrower&state=AZ&unitCount=1)
- [50-State Commercial Closing-Cost & Tax/Insurance Desk](https://www.loanofficerbot.com/api/integrations/state-closing-intel-desk?audience=borrower&state=AZ&unitCount=1)
- [Reverse DSCR Max-Loan Sizing & Specialized Asset Desk](https://www.loanofficerbot.com/api/integrations/specialized-asset-sizing-desk?audience=borrower&state=AZ&unitCount=1)
- [Liquidity Reserve & 4-Source Rent-Roll IDP Desk](https://www.loanofficerbot.com/api/integrations/liquidity-rentroll-idp-desk?audience=borrower&state=AZ&unitCount=1)
- [Ground-Up Construction & Build-to-Rent Spec Desk](https://www.loanofficerbot.com/api/integrations/ground-up-btr-desk?audience=borrower&state=AZ&unitCount=1)
- [40-Year Interest-Only & 5-4-3-2-1 PPP Buydown Optimizer](https://www.loanofficerbot.com/api/integrations/io-ppp-buydown-desk?audience=borrower&state=AZ&unitCount=1)
- [BRRRR Bridge-to-DSCR Takeout & Seasoning Desk](https://www.loanofficerbot.com/api/integrations/brrrr-takeout-desk?audience=borrower&state=AZ&unitCount=1)
- [Blanket Cross-Collateralized Portfolio & Partial-Release Desk](https://www.loanofficerbot.com/api/integrations/blanket-portfolio-desk?audience=borrower&state=AZ&unitCount=1)
- [Commercial Ground-Lease / Fee-Simple Split & Leasehold-Mortgage Sizing Desk](https://www.loanofficerbot.com/api/integrations/ground-lease-leasehold-desk?audience=borrower&state=AZ&unitCount=6)
- [Commercial Solar / C-PACE Green-Retrofit NOI & Senior-Lender Consent Desk](https://www.loanofficerbot.com/api/integrations/cpace-green-retrofit-desk?audience=borrower&state=AZ&unitCount=8)
- [Commercial Cross-Collateralized Blanket Partial-Release & 120% Paydown Waterfall Desk](https://www.loanofficerbot.com/api/integrations/blanket-partial-release-desk?audience=borrower&state=AZ&unitCount=8)
- [Commercial Opportunity-Zone (QOZ) / Historic-Tax-Credit (HTC) Equity-Stack & 10-Year Step-Up Desk](https://www.loanofficerbot.com/api/integrations/qoz-htc-taxcredit-desk?audience=borrower&state=AZ&unitCount=8)
- [Commercial Pad-Split / Co-Living / Assisted-Living (RAL) Per-Bed DSCR & Licensing Desk](https://www.loanofficerbot.com/api/integrations/coliving-ral-perbed-desk?audience=borrower&state=AZ&unitCount=1)
- [Commercial Master-Lease / Triple-Net (NNN) Credit-Tenant Lease (CTL) Dark-Value Stress-Test Desk](https://www.loanofficerbot.com/api/integrations/nnn-ctl-darkvalue-desk?audience=borrower&state=AZ&unitCount=1)
- [Commercial Self-Storage, Industrial Outdoor Storage (IOS) & Mobile Home Park (MHP) Pad-Only Underwriting Desk](https://www.loanofficerbot.com/api/integrations/storage-ios-mhp-desk?audience=borrower&state=AZ&unitCount=24)
- [Commercial SOFR Interest-Rate Cap & Floating-to-Fixed Bridge Hedge Desk](https://www.loanofficerbot.com/api/integrations/sofr-rate-cap-hedge-desk?audience=borrower&state=AZ&unitCount=8)
- [Commercial Distressed Note-Purchase & Discounted Payoff (DPO) Rescue-Capital Desk](https://www.loanofficerbot.com/api/integrations/distressed-note-dpo-desk?audience=borrower&state=AZ&unitCount=12)
- [Commercial Hospitality, Boutique-Hotel & Extended-Stay RevPAR / ADR / FF&E Reserve Desk](https://www.loanofficerbot.com/api/integrations/hospitality-revpar-ffe-desk?audience=borrower&state=AZ&unitCount=32)
- [Commercial Adaptive-Reuse Office-to-Multifamily Conversion & Core-Factor Desk](https://www.loanofficerbot.com/api/integrations/office-to-multifamily-conversion-desk?audience=borrower&state=AZ&unitCount=48)
- [Commercial Tenants-in-Common (TIC) / Delaware Statutory Trust (DST) 1031 Signatory Desk](https://www.loanofficerbot.com/api/integrations/tic-dst-1031-signatory-desk?audience=borrower&state=AZ&unitCount=8)
- [Commercial Student-Housing Per-Bed Lease-by-the-Bed & Parental-Guaranty Desk](https://www.loanofficerbot.com/api/integrations/student-housing-perbed-desk?audience=borrower&state=AZ&unitCount=12)
- [Commercial Medical-Office (MOB), Ambulatory Surgery Center (ASC) & Healthcare Sale-Leaseback Desk](https://www.loanofficerbot.com/api/integrations/medical-office-healthcare-desk?audience=borrower&state=AZ&unitCount=4)
- [Commercial Equestrian, Boutique-Winery & Rural Mixed-Use Acreage Desk](https://www.loanofficerbot.com/api/integrations/ag-equestrian-rural-desk?audience=borrower&state=AZ&unitCount=4)