{"asOf":"2026-09-02","merchant":"SSDF INC","disclaimer":"Live atlas. Licensed snapshots are ssdf-source-atlas and ssdf-lender-overlay. SSDF does not host the DSCR calculator and does not merge StackDesk.","sister":{"name":"StackDesk","url":"https://github.com/CreoDAMO/StackDesk","note":"Workbench. Not this store. Not a SKU."},"afr":{"asOf":"September 2026","asOfDate":"2026-09-01","ruling":"Rev. Rul. 2026-17","compounding":"annual","short":4.18,"mid":4.49,"long":5.12,"buckets":[{"key":"short-term","window":"≤ 3 years","rate":4.18},{"key":"mid-term","window":"over 3 and up to 9 years","rate":4.49},{"key":"long-term","window":"over 9 years","rate":5.12}],"source":"IRS monthly AFR tables — verify at closing. Not FRED."},"stamps":{"deedStatewidePer100":0.7,"miamiDadeSfrPer100":0.6,"miamiDadeOtherPer100":1.05,"notePer100":0.35,"noteCapUsd":2450,"intangiblePer100":0.2,"rounding":"ceil per $100 of consideration","customaryPayer":"Buyer, in most Florida counties — confirm with the closer"},"usury":{"chapter":"Fla. Stat. ch. 687","under500kPct":18,"atOrAbove500kPct":25,"note":"AFR is a floor. Usury is a ceiling. Counsel cites the subsection."},"hardRules":["Free-and-clear, or the existing lien is paid at this table","Warranty deed + recorded purchase-money mortgage — no land contract","Note #2 ≥ AFR for the term bucket and the month of closing. No 0% notes","Subject-to / wraps are attorney-required, not menu items","Two lawyers: buyer drafts, seller reviews independently","Licensed third-party servicing of Note #2","Simultaneous close at one Florida title table","Recording order: deed → mtg 1 → PMM 2 → ICA / kicker memo","If the senior forecloses, the kicker dies and the second can be wiped","Purchase money sits with a licensed title company or a Florida attorney trust — never SSDF"],"kickerOptions":[{"id":"A","title":"Back-end participation","body":"Default. Seller receives a defined percentage of net sale or refinance proceeds above a hurdle. Separate Participation Agreement, recorded as a covenant, not a third lien."},{"id":"B","title":"Appreciation-sharing note","body":"The balloon on Note #2 is a formula of appraised value at maturity. One instrument. Needs a defined appraisal mechanism."},{"id":"C","title":"Recorded option to participate","body":"Strongest recorded protection. Most attorney-intensive."},{"id":"D","title":"Cash-flow kicker","body":"Share of NOI above a coverage threshold. Multifamily / CRE with books. Audit right."}],"source":{"asOf":"2026-09-02","merchant":"SSDF INC","sku":"ssdf-source-atlas","vintage":{"id":"acs2024_5yr","name":"ACS 2024 5-year","years":"2020–2024","table":"B25081","universe":"Owner-occupied housing units","source":"U.S. Census Bureau, American Community Survey","via":"Census Reporter","sourceUrl":"https://censusreporter.org/tables/B25081/"},"florida":{"ownerOcc":6220116,"noMortgage":2746281,"pctClear":44.2},"countyCount":67,"disclaimer":"Hunt overlay, not listings. ACS B25081 is owner-occupied units with no mortgage — who can say yes. Zillow owner-financing is a keyword. Recorded PMMs are comps. SSDF does not scrape listings and does not resell a clerk feed.","hottest":[{"fips":"12043","name":"Glades","slug":"glades","pctClear":71,"noMortgage":2717,"desk":null},{"fips":"12029","name":"Dixie","slug":"dixie","pctClear":70.9,"noMortgage":3744,"desk":null},{"fips":"12123","name":"Taylor","slug":"taylor","pctClear":68.7,"noMortgage":4163,"desk":null},{"fips":"12047","name":"Hamilton","slug":"hamilton","pctClear":67.5,"noMortgage":2306,"desk":null},{"fips":"12059","name":"Holmes","slug":"holmes","pctClear":66.5,"noMortgage":3560,"desk":null},{"fips":"12013","name":"Calhoun","slug":"calhoun","pctClear":65.1,"noMortgage":2379,"desk":null},{"fips":"12133","name":"Washington","slug":"washington","pctClear":64.3,"noMortgage":4775,"desk":null},{"fips":"12049","name":"Hardee","slug":"hardee","pctClear":63.7,"noMortgage":3736,"desk":null},{"fips":"12121","name":"Suwannee","slug":"suwannee","pctClear":62.9,"noMortgage":7596,"desk":null},{"fips":"12067","name":"Lafayette","slug":"lafayette","pctClear":62.7,"noMortgage":1274,"desk":null}],"coolest":[{"fips":"12097","name":"Osceola","slug":"osceola","pctClear":31.1,"noMortgage":29007,"desk":"osceola"},{"fips":"12095","name":"Orange","slug":"orange","pctClear":32.6,"noMortgage":97685,"desk":"orange"},{"fips":"12109","name":"St. Johns","slug":"st-johns","pctClear":33.7,"noMortgage":32071,"desk":null},{"fips":"12117","name":"Seminole","slug":"seminole","pctClear":34,"noMortgage":42104,"desk":"seminole"},{"fips":"12019","name":"Clay","slug":"clay","pctClear":34.8,"noMortgage":22124,"desk":null}],"lanes":[{"id":"sfr","label":"SFR","hint":"Investment 1-unit. The ACS heat is this universe."},{"id":"four","label":"2–4","hint":"Small multifamily. Still housing — ACS still applies."},{"id":"land","label":"Land","hint":"Vacant land. Heat is a people proxy, not a dirt listing."},{"id":"cre","label":"CRE (no ops)","hint":"Commercial realty, T-12 NOI. Operating business + lot is a hard stop."}],"deskCounties":["miami-dade","broward","palm-beach","orange","hillsborough","duval","pinellas","lee","collier","sarasota","osceola","seminole","volusia"],"live":{"human":"/carry","index":"/api/carry","county":"/api/carry/{slug}"}},"lenders":{"asOf":"2026-08-01","merchant":"SSDF INC","sku":"ssdf-lender-overlay","disclaimer":"Outreach list, not endorsements, not a consumer report, not a bureau, not matching, not a rate lock. Confirm NMLS / Florida OFR before outreach. Fits is earned against a published box — never an approval. A 70/30 at $0 down is 100% CLTV and scores No on firsts that never published that cap.","creFitsRule":"CRE Fits is earned only when a shop publishes a CRE max CLTV and a subordinate-financing policy. A 1–4 DSCR card, First Florida mixed-use, or a typed-in private first stays No.","creFitsIds":["corevest","gelt","soviero","bennett","benworth"],"firsts":[{"id":"mortgage-world","name":"Mortgage-World.com","kind":"dscr","channel":"broker","location":"Florida (broker)","crePublished":false,"nmls":"1630225","bestFor":"Sub-620 DSCR at lower LTV","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"first-florida","name":"First Florida Financial","kind":"dscr","channel":"broker","location":"Fort Myers","crePublished":false,"nmls":null,"bestFor":"2–8 unit and mixed-use","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"dscr-capital","name":"DSCR Capital Partners","kind":"dscr","channel":"broker","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"Foreign national and 620+ DSCR","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"mbanc","name":"Mbanc","kind":"dscr","channel":"direct","location":"Florida","crePublished":false,"nmls":null,"bestFor":"Cleaner credit, statewide","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"naf","name":"New American Funding","kind":"dscr","channel":"direct","location":"National, Florida program","crePublished":false,"nmls":null,"bestFor":"National DSCR with FL overlay","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"kiavi","name":"Kiavi","kind":"dscr","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"Speed on 1–4 DSCR","lastVerified":"Aug 2026 — confirm NMLS / OFR before outreach"},{"id":"visio","name":"Visio Lending","kind":"dscr","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"DSCR + foreign national","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"lima-one","name":"Lima One Capital","kind":"dscr","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"1–4 DSCR / light rehab","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"angel-oak","name":"Angel Oak","kind":"dscr","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"Non-QM / DSCR","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"corevest","name":"CoreVest","kind":"dscr","channel":"direct","location":"National / Florida","crePublished":true,"nmls":null,"bestFor":"5+ / portfolio","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"gelt","name":"Gelt Financial","kind":"hard-money","channel":"direct","location":"Boca Raton","crePublished":true,"nmls":null,"bestFor":"Asset-based, weak financials","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"soviero","name":"Soviero Capital","kind":"hard-money","channel":"direct","location":"Jupiter","crePublished":true,"nmls":null,"bestFor":"Creative structure under $2.5M","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"stratton","name":"Stratton Equities","kind":"hard-money","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"Credit events, value-based","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"bennett","name":"Bennett Capital Partners","kind":"hard-money","channel":"broker","location":"Florida (broker)","crePublished":true,"nmls":null,"bestFor":"No-credit-check private capital","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"unitas","name":"Unitas Funding","kind":"hard-money","channel":"direct","location":"Jacksonville","crePublished":false,"nmls":null,"bestFor":"Fix-and-flip and ground-up 1–4","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"benworth","name":"Benworth Capital","kind":"hard-money","channel":"direct","location":"Miami","crePublished":true,"nmls":null,"bestFor":"South Florida asset-based","lastVerified":"Aug 2026 — confirm before outreach"},{"id":"lendingone","name":"LendingOne","kind":"hard-money","channel":"direct","location":"National / Florida","crePublished":false,"nmls":null,"bestFor":"Bridge to rental","lastVerified":"Aug 2026 — confirm before outreach"}],"counterparties":[{"id":"table-title","name":"Ask title for approved table-fund","kind":"table-fund","channel":"network","location":"Florida — title-driven","crePublished":false,"nmls":null,"bestFor":"Escrow will not take seller paper","lastVerified":"Standing reminder"},{"id":"fci","name":"FCI Lender Services (class)","kind":"counterparty","channel":"direct","location":"National — licensed states vary","crePublished":false,"nmls":null,"bestFor":"Note #2 servicing","lastVerified":"Standing requirement"},{"id":"allied","name":"Allied / Note Servicing Center-class","kind":"counterparty","channel":"direct","location":"National","crePublished":false,"nmls":null,"bestFor":"Note #2 servicing (second quote)","lastVerified":"Standing requirement"},{"id":"title","name":"Title / escrow that will close PMM + second","kind":"counterparty","channel":"network","location":"Florida — ask before the LOI","crePublished":false,"nmls":null,"bestFor":"Closer selection","lastVerified":"Standing question"},{"id":"flbar","name":"Florida Bar Lawyer Referral","kind":"counterparty","channel":"network","location":"Florida","crePublished":false,"nmls":null,"bestFor":"Counsel on both sides","lastVerified":"Standing CTA"}],"nmls":"https://www.nmlsconsumeraccess.org/","live":{"human":"/carry","index":"/api/carry"}},"live":{"human":"/carry","index":"/api/carry","county":"/api/carry/{slug}"},"skus":["ssdf-seller-carry-protocol","ssdf-stamps-afr-protocol","ssdf-seller-carry-term-sheet","ssdf-seller-carry-playbook","ssdf-source-atlas","ssdf-lender-overlay"],"desk":["ssdf-seller-carry-file-review"],"doctrine":{"surface":"ACS B25081 is owner-occupied units with no mortgage — who can say yes. A recorded PMM is the note. AFR is the floor. Usury is the ceiling. The clerk is still the ledger.","filter":"Sell the protocol, the methodology, the template, the playbook, and the licensed snapshot. Desk review of a packet you send is Seller-Carry File Review. Do not host the calculator. Do not sell the note. Do not scrape listings.","sister":"StackDesk is the workbench (github.com/CreoDAMO/StackDesk). SSDF sits next to it the same way it sits next to BasisGuard. Same company. Different ledgers. This store does not call the desk.","note":"Note #1 institutional first. Note #2 recorded purchase-money mortgage ≥ AFR for the term bucket and the month of closing. Option A kicker dies on senior foreclosure. No 0% notes. No subto/wraps as menu items.","stamps":"Florida documentary stamps: deed $0.70/$100 statewide; Miami-Dade SFR $0.60 / other $1.05; note $0.35 cap $2,450; intangible $0.20 uncapped. Ceil per $100. Re-verify at closing.","afr":"IRS monthly AFR tables, annual compounding. Snapshot: Rev. Rul. 2026-17, September 2026 — short 4.18 / mid 4.49 / long 5.12. Product is methodology. Re-verify at closing. Not FRED.","usury":"Fla. Stat. ch. 687: 18% under $500k / 25% at or above. AFR is a floor. Usury is a ceiling. Counsel cites the subsection.","source":"Hunt overlay, not listings. ACS heat is who can say yes. Zillow owner-financing is a keyword. Recorded PMMs are comps. SSDF does not scrape and does not resell a clerk feed.","lenders":"Outreach list, not endorsements, not a consumer report, not matching, not a rate lock. CRE Fits is earned only when a shop publishes a CRE max CLTV and a subordinate-financing policy. Confirm NMLS / Florida OFR before outreach."}}