DSCR & HARD MONEY LOANS
Capital that shows up when it's needed.
Manna Lending provides private capital to real estate investors, underwritten on the strength of the deal rather than a lengthy approval process.
$60M+
Funded to date
50
States we lend in
Loan programs
Loans built around the deal.
DSCR and hard money financing for real estate investors, from your first rental to your next ground-up build. Every deal is matched to the right lending partner for your credit, experience and exit.
Submit a deal$75K–$5M
Typical loan sizes
Up to 80%
DSCR leverage
Up to 100%
Of cost, with experience
660+
Typical minimum FICO
01 — DSCR loans
Qualify on the rent.
Long-term rental financing underwritten on the property's cash flow. 30-year fixed or ARM terms, with interest-only available.
Get quick pricing| Purchase | Rate & term refi | Cash-out refi | |
|---|---|---|---|
| Loan amount | $100K–$3M | $100K–$3M | $100K–$3M |
| Max LTV | Up to 80% | Up to 75–80% | Up to 75% |
| Min FICO | 660–680 | 660–680 | 660–700 |
| Min DSCR | 1.00, sub-1.00 options | 1.00, sub-1.00 options | 1.00, sub-1.00 options |
| Cash to borrower | n/a | About $5K or less | $500K–$1M cap |
Portfolio / blanket
One note, many rentals.
- Properties
- 2 to 25+
- Loan amount
- $200K–$4M total
- Max LTV
- 65–75%
- FICO / DSCR
- 660–680 · 1.00
5–10 unit multifamily
Larger rentals, same approach.
- Loan amount
- $350K–$3M
- Max LTV
- 65–75%
- FICO / DSCR
- 680+ · 1.00+
- Short-term rental
- Foreign national
- Condo & condotel
- Rural
- Interest-only
- Step-down prepay
02 — Hard money loans
Capital that shows up.
Short-term loans for flips, new builds and bridge deals, with the rehab or construction budget held back and drawn as the work gets done.
Fix and flip
Buy, renovate, sell or refinance.
- Loan amount
- $75K–$3M
- Max LTC
- Up to 100% with experience
- Max ARV
- 70–75%
- Min FICO
- 660
- Term
- 12 months, extends to 18–24
- Rehab budget
- 100% financed and drawn
Ground-up construction
Build from the ground up.
- Loan amount
- $200K–$3M
- Max LTC
- Up to 100% with experience
- Max ARV
- 65–75%
- Min FICO
- 660–680
- Term
- 12–24 months
- Construction budget
- 100% financed and drawn
Bridge purchase or refi
Little or no rehab.
- Loan amount
- $100K–$5M
- Max LTV
- 70–75% of as-is
- Cash-out refi
- 65–75%
- Min FICO
- 660–675
- Term
- 12–24 months
- Experience
- Not required at most
Every hard money loan
Interest-only · No prepay at most · SFR, 2–4 unit, condo · LLC or corporation borrower
Also ask about
Jumbo to $5M · Commercial and 5+ unit bridge · Foreign national
03 — Transactional funding
We fund your double close.
Short-term funding for wholesale A-B / B-C deals. Submit a direct request, and we coordinate with your title company to get the A-B closing funded. Pricing is public, and your fee calculates on the form.
| Funding amount | Total cost | Same day |
|---|---|---|
| $100,000 – $499,999 | 1.25% | 1.50% |
| $500,000 – $1,000,000 | 1.00% | 1.25% |
$100,000
Minimum funding
+0.25%
Same-day funding
Direct
Request, not an inquiry
Ranges shown are typical and vary by borrower, property, loan size and state. Not a commitment to lend. Business-purpose loans only. Subject to underwriting approval.
One Lending Partner, Every Stage of the Deal
From acquisition to stabilized rental, we structure financing across the full investment lifecycle — so you're not rebuilding a lender relationship every time your strategy changes.
Terms vary by program and are subject to underwriting approval. Contact us to discuss your specific scenario.
WHY MANNA LENDING
The access of a broker. The eye of an investor.
Manna Lending is run by an active real estate investor — someone who owns multiple doors and has felt the pain and the upside of different financing structures firsthand. That experience shapes every deal we place: full access to our lending network, underwritten by someone who knows how to structure a deal so it actually works.
HOW IT WORKS
Submit your deal
A short form on the property, numbers, and your experience — five minutes, no obligation.
Get matched and priced
We check your deal against real, active lender guidelines and prepare term sheet estimates.
Walk through your terms
We schedule a call to review your options together, so you know exactly what's next.
Document review, done right
We review every document before it reaches the lender, catching issues early so your loan closes without hiccups.