Creative Finance & Private Balloon Refinance Desk · 0x30x12 Seasoning Audit

Seller Carryback, Land Contract & Private Balloon DSCR Refinance Exit Desk

Structure the permanent 30-year fixed DSCR refinance takeout for Seller Carryback 1st liens, Land Contracts / Agreements for Sale, Wraparound notes, and maturing private money balloons using verified 6–12 month cancelled check or third-party note servicer payment histories.

Seller Carryback, Land Contract & Balloon Payoff Exit Desk

Creative Finance Note Seasoning & 30-Yr DSCR Takeout Inputs

Existing Creative / Private Note Structure

Original Contract Purchase Price ($)

Documented Rehab / Improvement Cost Basis ($)

Current Appraised Market Value ($)

Existing Seller / Underlying Note Payoff Balance ($)

Months of Verified Note Payments (Cancelled Checks / ACH)

30+ Day Late Note Payments in Trailing 12 Months

Subordinate Seller 2nd Carryback Retained ($, if any)

Target Senior DSCR Takeout LTV (%)

Monthly Form 1007 / Lease Rent ($/mo)

Proposed 30-Year Fixed Senior DSCR Monthly PITIA ($/mo)

Creative Finance Takeout Verdict · DealDaddy.ai & HomeDaddy.ai

Balloon Payoff, 0x30x12 Seasoning & CLTV

Max Senior 30-Yr DSCR Loan

$465,000

Basis: $620,000

Net Surplus / (Cash-to-Close)

+$55,000

After $410,000 note payoff

Senior LTV / Combined CLTV

75% / 75%

1.29x Post-Takeout DSCR

0x30x12 Payment Audit Gate

VERIFIED_0x30x12_CLEAN

12 mo cancelled checks / wires

Seller Carryback & Land Contract Refinance Classification

Verification Item	Current Scenario	Underwriting Treatment
Refinance Classification	Cash-Out	Cash-Out Refinance (Equity Harvest + Note Payoff)
Valuation Basis Rule	$620,000	Full Appraised Value (6+ Mo)
Subordinate Seller 2nd	$0	Clean 1st Lien Only

Arranged by Loan Daddy LLC · ADRE #SA713873000 · (480) 485-1229 · Mortgage broker, not a lender.

Refinance Seller Note into 30-Yr DSCR →