12/08/2025
๐ง๐ต๐ถ๐ป๐ธ๐ถ๐ป๐ด ๐๐ฏ๐ผ๐๐ ๐๐ฎ๐๐ต ๐ข๐๐ ๐ฅ๐ฒ๐ณ๐ถ๐ป๐ฎ๐ป๐ฐ๐ถ๐ป๐ด?
We Offer DSCR, NON-QM, JUMBO, Interest-Only, Bank Statement, CONV, FHA, & VA Cash Out Refinances for Homeowners and Real Estate Investors.
โข FICO: 640+
โข LOANS: $200k+
โข Seasoning after Rehab/Purchase: 0โ3 Months
โข Close in as little as 14โ21 Days!
โข SFR 1โ4 Unit, Multifamily 5+ Unit
โข MUST own at least 1 Rental Property
HIGHLIGHTSโDSCR Cash Out, Refinance, or Purchase Loans:
โข No Personal Income - No Tax Returns - No W2s - No Pay Stubs
โข No Employment Verification.
For DSCR Ratios > 0.75, Rental Property Owners can qualify based on monthly rents collected.
For investors who can't meet the normal DSCR Ratio Requirements, we offer a "DSCR - No Ratio" loan product.
Want a free rate quote texted or emailed to you?
Text โQUOTEโ or โLOANโ to (480) 485-1229
Email: [email protected]
Talk soon,
Steve Mannenbach
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Stephen Mannenbach, J.D./M.B.A. โ Loan Officer, NMLS 1831233
E Mortgage Capital, Inc., NMLS 1416824, dba Searchlight Lending Home Loans. HomeSmart, Arizona Real Estate Agent โ ADRE SA713873000. Loan Daddy, LLC โ Owner & DSCR Loan Officer.
We Offer DSCR Cash-Out Refinances, DSCR Rate & Term Refinances, and DSCR Purchase Loans for Long-Term Rentals (LTRs) & Short-Term Rentals (STRs) Nationwide. Don't waste time shopping around. We have the lowest DSCR interest rates for rental income properties. As of March 6, 2026, I've still never received a loan quote from a competitor that had a lower rate compared to our DSCR loan rate offerings. Most of the time, it's not even close!
LinkedIn: https://www.linkedin.com/in/stevemannenbach/
ยฉ 2026 E Mortgage Capital, Inc. dba Searchlight Lending Home Loans. For informational purposes only. This is not a commitment to lend or extend credit. Rates and loan terms are subject to change without notice. All loans are subject to credit approval. Equal Housing Lender.
SITES
- https://stevemannenbach.com/
- https://searchlightlending.com/
- https://searchlightlendinghomeloans.com/
- https://www.emortgagecapital.com/
- https://loandaddy.ai/
- https://DSCRLoan.Loan
DISCLOSURES, LICENSING, PRIVACY, & TERMS
NMLS Consumer Access: https://nmlsconsumeraccess.org
Licensing/Disclosures: https://www.emortgagecapital.com/licensing
Privacy: https://www.emortgagecapital.com/privacy-policy
Terms: https://www.emortgagecapital.com/terms
By texting, you agree to receive marketing messages (SMS) from E Mortgage Capital, Inc. d/b/a Searchlight Lending Home Loans, Pure Lending Solutions d/b/a Searchlight Lending, Loan Daddy, LLC, GET MIBCOM LLC d/b/a MIB Agency and Go Buy Leads, Steve Mannenbach, and any/all of their affiliated partners, lenders, realtors, processors, underwriters, closers, funders, appraisal management companies/appraisers, and any other third party, not explicitly listed here, who may need your personal and/or private information in order to provide you with a quote and assist you in getting your loan to the closing table; consent not required to buy. Phone calls, SMS messages, emails, social media messages, and any/all other mediums/methods of communication may involve the use of artificial intelligence (AI) for chats, calls (AI voice), ringless voicemail, price/rate/cash out/loan quotes, and for any other reason we deem necessary. Message/data rates may apply. Reply STOP to opt-out, HELP for help.
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