DSCR Loans For Rental Properties
Building your Real Estate Investment Portfolio is one of the most significant Financial Achievements you'll make in your lifetime. That's why we offer customized Lending solutions designed to fit your unique Real Estate Investment Situation. Whether you're a first-time Investor or a seasoned real estate investor looking for a dSCR Cash-Out or Rate & Term Refinance, our team of experienced Loan is here to guide you every step of the way. Explore our competitive rates and flexible terms to make your dream of Building a Passive Income Stream from a Real Estate Investment Portfolio or rental property portfolio a reality.
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Got questions? We're here to help! Whether it's about rates, investment property purchasing, refinancing, accessing rental property equity, real estate investing, loan program options, loan requirements, documentation, etc. We're ready to help you get to the finish line!
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Learn more about investment property purchasing, refinancing, and how to unlock the maximum amount of cash possible in your rental property portfolio with DSCR Loans with options available for up to 80% LTV cash-out.
Unlock Your Investment Portfolio with Our Commercial, DSCR, Hard Money, & Private Money Loan Solutions.
Who are we?
Steve Mannenbach is Your Trusted Partner in Investment Property Loans
Steve's more than just a loan officer—he's your dedicated partner in making your rental property and investment property goals a reality. Steve and his team work closely with you to understand your goals and provide tailored Business Purpose, Commercial, DSCR, Hard Money, and Private Money solutions that fit your needs and budget. From rental property buyers to investment property owners, Steve's here to offer guidance, support, and expertise, so you make the right choice for growing your real estate portfolio and passive income.
Why choose us?
Building Foundations for a
Brighter Future
Rental Property Purchase
Rate & Term Refinance
Cash Out Refinance
Client Satisfaction
Personalized Solutions
Exceptional Customer Service
Your Journey to Commercial and Residential Real Estate Investing Starts Here
We simplify the journey to homeownership. Our dedicated team is here to guide you through every step, providing expert advice and personalized support. Together, we’ll turn your dream of owning 10+ investment properties or rental properties into a reality!
Personalized business purpose and commercial loan solutions for every experience level from beginner-to-advanced.
Expert guidance throughout the entire investment property purchase, rate and term refinance, or cash-out refinance process.
Competitive rates to help you cash flow positive on each investment property or rental property right away.
what we offer ?
Commercial & Business Purpose (DSCR) Loans to Help You Achieve Your Real Estate Goals FAST!
We streamline the loan process to make your rental property dreams a reality in record time. Our tailored business purpose loan products, and rental property focused loan officers, help you select the right loan to achieve each of your real estate portfolio goals with confidence.
Bridge Loans
Bridge loans offer temporary financing, allowing you to purchase a new investment property quickly. They provide quick access to funds, making your transition easier.
Fast Approval: Get funds quickly to secure your new home.
Flexible Solutions: Tailored to meet your specific needs.
Easy Transition: Simplifies the process of moving between properties.
Rental Loans
Rental loans help you finance investment properties, making it easier to generate rental income.
Tailored Financing: Custom loans for investment properties.
Competitive Rates: Favorable terms for better returns.
Expert Support: Guidance throughout the process.
DSCR ITIN Loans
Overseas mortgages enable you to finance property abroad, making international investments accessible.
Global Financing: Tailored solutions for international properties.
Expert Assistance: Guidance through cross-border transactions.
Flexible Terms: Competitive options for overseas investments.
Consultation
Our consultation services provide personalized guidance to help you navigate the mortgage process effectively.
Expert Advice: Tailored mortgage strategies for your needs.
Comprehensive Reviews: In-depth analysis of your financial situation.
Ongoing Support: Assistance at every step of your journey.
Refinancing
Refinancing allows you to adjust your mortgage terms, potentially lowering your monthly payments and saving on interest.
Lower Rates: Access competitive interest rates for savings.
Flexible Options: Tailored refinancing plans to meet your goals.
Expert Guidance: Support throughout the refinancing process.
Commercial Loans
Commercial Loans allow you to invest into multifamily apartment buildings, retail buildings, office buildings, and more.
DSCR Loans: Up to 25 Unit Multifamily. Commercial, Hard Money, and Private Money Loans for 25+ Unit Multifamily
Property Types: Multifamily, Office, Retail, Industrial, Senior Living, Student Housing, Warehouse, Storage, & More!
how it works
Partnering in Your Real Estate Investment Success
Consultation
Discuss your needs and financial goals with our experts.
Application & Documents
Complete the loan application, lock the interest rate, and submit all required documents to start the process and get your loan file into processing.
Closing
Finalize your loan terms, sign documents, and fund your loan.
Testimonials
— Mykoal D.
I had a great experience with Steve. He's always available and I know him personally because we both live in Scottsdale. I can tell you that he will stay up as late as you need in order to make sure you're happy. He explains everything so it's easy to understand and he goes above and beyond what is normally expected of a loan officer. Don't waste your time with anyone else. He told me he has a JD/MBA, which probably not many other loan officers have, so you know he's going to figure out a way to get your loan done if it's tricky.
A++ for Steve!
— Michelle M.
Steve works tirelessly on behalf of his borrowers. He stays up late to make sure your loan gets funded on time. I know that he was ranked in the Top 5 Loan Officers Nationally at Geneva Financial when he ran a branch manager there. You know you're getting a top notch loan officer AND person with Steve!
Testimonials reflect individual experiences and are not a guarantee of future results.
Individuals providing testimonials may have personal relationships with Steve Mannenbach.
Frequently Asked Questions
How do I know how much I can borrow?
Your borrowing capacity depends on various factors, including your rental property income, credit score, loan-to-value percentage (LTV), DSCR ratio, prepayment penalty (PPP) term, real estate investment experience, and the type of loan you are applying for (e.g., Commercial, DSCR, Hard Money, Private Money). Our team can help you assess your financial situation to determine the right amount.
What documents do I need to apply for a DSCR, commercial, hard money, or private money loan?
Typically, you’ll need to provide proof of rental property income for the past 12 months or expected rent based off of market rental data, bank statements to show cash reserves, photo ID, credit report, lease agreements (if applicable), mortgage statements (if applicable), rental property homeowners insurance, HOA fee statement (if applicable), rental property tax billing statement, legal entity documents if closing in an LLC/CORP, and more. Our experts will guide you on the specific documents required for your application.
How long does the DSCR, commercial, hard money, or private money loan approval process take?
The mortgage approval process can vary based on several factors, including the type of loan and your financial situation. Generally, it can take anywhere from as little as 5-7 days for Hard Money Loans to 14-21 days for DSCR Loans to 30-60+ days for a Commercial Loan. We strive to make the process as quick and efficient as possible. The faster you submit all required documents, the faster we can close your loan.
Thank you for choosing us. We are dedicated to helping you achieve your rental portfolio goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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