DSCR Investor Loan Made Easy With Manny.
NO Surprises. NO Guesswork.
Qualification is based on the property’s cash flow, not your personal income. No W2s. No tax returns. No personal income documentation.
Where Investor Deals Get Done Right
Manny leads every deal with precision pre-approvals and upfront underwriting review
Fast Pre-Approval
Property Cash Flow Qualification
Expert Deal Analysis
Full Underwriting Review
Multiple Mortgage Options
Clear Numbers Upfront
Faster Closings Without Surprises
HOW DOES IT WORK
Our process is built around how investors operate, prioritizing speed, clarity, and deal certainty from pre approval through closing.
GET PRE-APPROVED
Submit the property details and deal structure. We analyze cash flow and property eligibility upfront to deliver a realistic pre-approval based on the investment, not personal income.
PURCHASE CONTRACT
With Manny's strong pre-approval and proactive contingency review, you gain a competitive edge and the confidence to submit offers that stand out and win the deal.
SECURE THE MORTGAGE
Every investment is different. Manny offer tailored investor loan programs and not a one size fit all, we structure financing around your deal to reduce friction, avoid delays, and keep the process moving smoothly.
CLOSE
Closing is where preparation pays off. With the deal structured correctly upfront, we move through final conditions smoothly so you can take ownership of the investment property exactly as planned. On to the next one.
Whether it’s your first or tenth investment property, Manny makes the financing process clear, strategic, and built around your goals. LETS GET YOU STARTED!
WHAT OUR CLIENTS & REALTORS SAY
Chinasa Anum · 1 day ago ★★★★★
Working with my loan officer Emmanuel was a great experience. He was patient, clear, and always quick to respond to my questions.
Ester Leite · 3 weeks ago ★★★★★
Grateful — my biggest dream came true: buying my home.
Cruisinglane · 14 weeks ago ★★★★★
Manny is reliable and dedicated — always goes the extra mile.
Oluwafemi Ajeigbe · 15 weeks ago ★★★★★
A pleasure to work with — confident, professional, and effective.
Titilayo Fowora · 15 weeks ago ★★★★★
Your go-to for mortgage solutions — knowledgeable and capable.
Sese A · 15 weeks ago ★★★★★
Seamless transaction with guidance every step of the way.
Taiwo Daram · 16 weeks ago ★★★★★
Very knowledgeable and professional — great to work with.
Rasheed Ojerinde · 16 weeks ago ★★★★★
Diligent, reliable, and honest — found the best rate for my needs.
Summer Day · 18 weeks ago ★★★★★
My recommended lender: knowledgeable, communicative, and efficient.
Andrew Priddy · 18 weeks ago ★★★★★
Awesome to work with — helps you every step of the way.
Victor K · 18 weeks ago ★★★★★
A decade of transparent, patient guidance — the one I trust.
Omoshalewa Ogbeni Awe · 18 weeks ago ★★★★★
Very knowledgeable and patient with quick responses to every question.
Cassandra Jarjabka · 18 weeks ago ★★★★★
As a first-time buyer, I felt confident and supported throughout.
Janet S & M A · September 23, 2023 ★★★★★
Quick email responses and constant updates. Fixed a title hiccup near closing.
Maselina B · September 15, 2023 ★★★★★
Turned an impossible goal into a home purchase. Clear, determined, and kind.
Cass L · June 21, 2023 ★★★★★
Puts clients first, breaks down the numbers, honest and dependable.
Tawana S · January 29, 2025 ★★★★★
Left a five star rating for Manny Oloyede.
Chauncy W · January 24, 2025 ★★★★★
Clear communication and transparency. Timely responses.
Uchenna I · December 23, 2024 ★★★★★
Professional and reliable from start to finish. Closing was smooth and successful.
Uchenna E I · December 23, 2024 ★★★★★
Process was effortless with good follow up and phone support on forms.
David L · November 30, 2024 ★★★★★
He communicated very well.
Ayodeji A · September 19, 2024 ★★★★★
Left a five star rating for Manny Oloyede.
Ayodeji O A · September 19, 2024 ★★★★★
Exceptional service from application to disbursement. Seamless and efficient.
Jennifer D · September 8, 2024 ★★★★★
Always on top of everything and keeps everyone updated. Great to work with.
Martins S · August 9, 2024 ★★★★★
Outstanding service and expertise. Clear and transparent throughout.
Martins N · August 9, 2024 ★★★★★
Most professional and understanding loan officer I have worked with.
She H · July 9, 2024 ★★★★★
Excellent communication. Guided me and made it fast and less stressful.
Morolake W · July 9, 2024 ★★★★★
Excellent communication about steps and expectations. Less stressful process.
Greg B · May 16, 2024 ★★★★★
Great communication and answered all questions. Would love to work together again.
Taiwo D · March 31, 2024 ★★★★★
On top of the process from first day to last day. Thank you.
Kolawole A · March 28, 2024 ★★★★★
Left a five star rating for Manny Oloyede.
Ridwan S A · March 28, 2024 ★★★★★
On point information and made first time buying as stressless as possible.
Ben G · February 21, 2024 ★★★★★
Explained every step and answered questions right away. Easy and stress free.
Victor K · February 17, 2024 ★★★★★
Absolute best mortgage experience. Patient, professional, understanding.
Tatyana K · February 17, 2024 ★★★★★
Very difficult loan resolved and closed on time. Solution oriented and effective.
Taiwo D · December 9, 2023 ★★★★★
Very professional and experienced. I will recommend him for my clients.
Enoch O · November 24, 2023 ★★★★★
Fantastic job and peak professionalism. Awesome experience.
Kehinde O · November 21, 2023 ★★★★★
Always available and amazing personality. Sydney and team were great too.
Victor K · October 30, 2023 ★★★★★
Process was painless and easy. There every step. Client for life.
Janet S R · September 29, 2023 ★★★★★
Kept us updated throughout and responded very quickly when needed.
Tanya W · September 22, 2023 ★★★★★
Informative, knowledgeable, and excellent communication. Smooth refinance.
Michael B · July 30, 2023 ★★★★★
Diligent and hard working. Explained every step and addressed concerns.
Cathy S · July 23, 2023 ★★★★★
Always there for questions and explained every process. Closed fast.
Alex B · July 22, 2023 ★★★★★
Great communication with weekly updates that led to a quick closing.
Victor K · June 27, 2023 ★★★★★
No one more detailed and communicative. Always an exceptional experience.
Sese A · June 24, 2023 ★★★★★
True professional. Seamless transaction. Dependable and knowledgeable.
Jordan K · June 20, 2023 ★★★★★
Diligent, thorough, and knowledgeable. Always dependable.
Sharon B · May 16, 2023 ★★★★★
Amazing experience after switching. Weekly communication and smooth closing.
Ahkieya I · April 24, 2023 ★★★★★
Wonderful to work with. Honest and communicative. Feels like a friend.
MANNY OLOYEDE MEANS
(MORE) WINS
Partner with Manny to close more investment deals faster and with confidence. Need quick turn times to compete and win properties? We deliver. Working through non-traditional income, complex deal structures, or challenging loan scenarios? Manny is an expert in investor-focused financing solutions built to execute. From pre-approval through closing, you get clear communication, strategic guidance, and a streamlined process designed to keep your deals moving.
WE ARE READY FOR ANY SITUATION
Tight Timelines
One to Four Unit property
Portfolio Loan - Multiple Property Transactions*
DSCR Investment Loans
Conventional Investment Loan
Condo Purchases*
Developments - Vertical & Horizontal Financing
Minimum 620 Credit Scores*
Five Plus Investment Property*
And More
WE MOVE AT LIGHTNING SPEED.
Want to win the house? You need a fast pre-approval and a partner that clears barriers quickly. We excel at both.
Manny has helped thousands of people like you to beat other compelling offers, including all-cash offers.
FAQS
Investor loans are often qualified based on the property’s cash flow rather than personal income. If the rental income supports the mortgage under DSCR guidelines, qualification may be possible without submitting W2s or tax returns. Each deal is reviewed to ensure the numbers work before moving forward.
DSCR programs are available with credit scores starting at 620. Higher scores typically qualify for better terms, while lower scores may require additional reserves or a higher down payment. Credit is reviewed alongside the overall strength of the deal.
Down payment requirements can be as low as 15 percent, depending on credit score, property type, and loan structure. In general, lower credit scores require higher down payments, while stronger profiles allow for more favorable terms.
Once property details and rental income are reviewed, investor pre-approvals can move quickly. Because the focus is on the deal itself rather than personal income documentation, the process is often faster and more accurate than traditional pre-approvals.
Financing is available for a wide range of investment properties, including 1–4 unit rentals, short-term rentals, and select 5+ unit or mixed-use properties. Each property is evaluated based on eligibility, condition, and cash-flow performance.
Complex scenarios are common in real estate investing. Non-traditional income, layered ownership structures, or unique property types can often be accommodated through investor-focused loan programs designed for flexibility and approval certainty.
The property, numbers, and your goals are reviewed upfront before going under contract or ordering an appraisal. This proactive approach helps identify potential issues early and keeps the deal positioned for a smooth closing.
FOR AGENTS - PARTNER WITH MANNY
Close more investor deals with and learn why our clients and agents only rate us five stars.
Contact
Manny Oloyede | NMLS #1824463
Phone: (216) 816-5215
Mail: manny.oloyede@greenlending.com
Green Lending | NMLS #2598612
141 Broad Blvd, STE 102 Cuyahoga Falls, OH. 44221
Branch NMLS #2721476
Disclaimer: This is not a commitment to lend. All loans are subject to credit, underwriting, and property approval. Not all applicants will qualify. Terms, conditions, and program availability are subject to change without notice. Interest rates and loan terms may vary based on market conditions and borrower qualifications. Additional restrictions may apply.
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