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.

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$60M+

Funded to date

States we lend in

No Tax Returns Required

No Income Verification

Asset-Based Underwriting

LOAN PROGRAMS

We fund real estate investors — from your first rental to your next ground-up build.

Every deal is matched against our lending network to find the best fit for your credit, experience, and exit strategy.

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DSCR Purchase

$50K–$3.5M loan amounts
Up to 85% LTV
600 FICO minimum
30-yr fixed or interest-only

DSCR Cash-Out Refi

Up to 80% LTV
$50K–$3.5M loan amounts
600 FICO minimum
No income verification

DSCR Rate & Term Refi

Reprice an existing loan
$50K–$3.5M loan amounts
600 FICO minimum
30-yr fixed or interest-only

Fix & Flip

$75K–$7M+ loan amounts
Up to 100% of project cost
90–95% LTC on light rehab
Interest-only, no prepay

Ground-Up Construction

$75K–$7M+ loan amounts
Up to 100% loan-to-cost
75% of after-completion value
No experience required

Bridge Financing

$75K–$7M+ loan amounts
Fast, flexible closings
Purchase, rehab, or bridge-to-rent
No appraisal on qualifying deals

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.

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