Manifest Your Real Estate Capital
With Us
At Manifest Lending, we specialize in providing flexible, investor-focused financing solutions to help you manifest your real estate goals. Whether you are acquiring your first property or expanding your portfolio, we are here to partner with you every step of the way.
"We weren't the most qualified borrowers, but Manifest Lending guided us through every step of the financing process with patience, expertise, and clear communication, ultimately helping us secure the funding we needed."
About us
About us
Real Estate Investment Financing Specialists
in
At Manifest Lending, we are here to simplify and optimize your real estate financing no matter the scenario. Whether you need funding for commercial properties or 1-to-4 unit residential investments, we offer flexible solutions tailored to your needs. We handle a wide range of loan types, including DSCR rental loans, permanent financing, purchase and rehab, bridge loans, and ground-up construction. We also offer second liens, SBA loans, HELOCs, and lines of credit. If your previous financing fell through or you are facing a tight closing deadline, we have the ability to close in as little as 3 business days.
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0+
FICO
Certain loan types require higher credit scores
0+
0+
FICO
Certain loan types require higher credit scores
0+
0+
FICO
Certain loan types require higher credit scores
0+
0+
Projects completed
We love working with new and experienced investors
0+
0+
Projects completed
We love working with new and experienced investors
0+
0+
Projects completed
We love working with new and experienced investors
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
Loans
Loans
Loans
Loan Programs
Find out which one of our loan programs fits your needs
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
Our work
Our work
Our work
Recent Loans
See how we've helped other borrowers get the financing they needed with our flexible loan offerings
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Rachel Morgan
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Laura Davies
FAQs
FAQs
FAQs
Answering your questions
Answering your questions
Answering your questions
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
Contact
Contact
Contact
Get in touch
For any inquiries or to explore your loan further, we invite you to contact our professional team using the details provided below.
Telephone
770-294-5462
Manifest Your Real Estate Capital
With Us
At Manifest Lending, we specialize in providing flexible, investor-focused financing solutions to help you manifest your real estate goals. Whether you are acquiring your first property or expanding your portfolio, we are here to partner with you every step of the way.
"We weren't the most qualified borrowers, but Manifest Lending guided us through every step of the financing process with patience, expertise, and clear communication, ultimately helping us secure the funding we needed."
About us
About us
Real Estate Investment Financing Specialists
in
At Manifest Lending, we are here to simplify and optimize your real estate financing no matter the scenario. Whether you need funding for commercial properties or 1-to-4 unit residential investments, we offer flexible solutions tailored to your needs. We handle a wide range of loan types, including DSCR rental loans, permanent financing, purchase and rehab, bridge loans, and ground-up construction. We also offer second liens, SBA loans, HELOCs, and lines of credit. If your previous financing fell through or you are facing a tight closing deadline, we have the ability to close in as little as 3 business days.
0+
0+
FICO
Certain loan types require higher credit scores
0+
0+
FICO
Certain loan types require higher credit scores
0+
0+
FICO
Certain loan types require higher credit scores
0+
0+
Projects completed
We love working with new and experienced investors
0+
0+
Projects completed
We love working with new and experienced investors
0+
0+
Projects completed
We love working with new and experienced investors
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
$ 0k+
$ 0k+
Necessary Liquidity
Liquidity requirement depends on the loan amount
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
0%
0%
LTC Available
This leverage is available with 2nd liens and depends on ARV
Loans
Loans
Loans
Loan Programs
Find out which one of our loan programs fits your needs
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
DSCR Rental
-Up to 80% LTV -Cash-out available -All property types -DSCR below 1 available (lower leverage) -No lease required -Subsidized rentals -Short term rentals
Ground-up Construction
-Up to 90% LTC -Up to 70% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Bridge
-Leverage parameters depend on whether the project is complete or not Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Purchase & Rehab
-Up to 100% LTC -Up to 80% LTARV Property Types: -Single Family (1-4 Units) -Commercial (multifamily, retail, mixed use, and industrial) -Condos and Townhomes (warrantable & non-warrantable)
Rental Portfolio
-Up to 75% LTV -Cash-out available Property Types: -Single Family -Multifamily -Condos and Townhomes (warrantable & non-warrantable)
Other
-2nd Liens: leverage depends on existing equity, leverage, and exit strategy -Lines of Credit: speak to a representative about this product -Cash Advance Tied to Property Cashflow: this product does not put a lien on your property -SBA Loans: for businesses seeking to purchase, build, or rehab commercial real estate for their use -HELOC: for individuals and businesses looking to monetize their equity
Our work
Our work
Our work
Recent Loans
See how we've helped other borrowers get the financing they needed with our flexible loan offerings
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Complex Financing
We specialize in solving complex financing challenges, especially for non-warrantable condo projects. One recent client owned 22 of 28 units in a complex with no HOA and a mix of unit statuses: 10 stabilized (6 of those being subsidized leases), 5 completed but unleased, and 7 requiring major rehab after fire damage. They also sought to acquire and renovate 2 additional units. Traditional lenders wouldn’t touch it—but we provided a customized, multi-loan solution that included bridge, rehab, and purchase financing, all under one roof. Our team managed every phase, helping the client refinance, renovate, and grow their position. This deal is a prime example of how we deliver on complex, transactions when others can’t.
DSCR
Purchase & Rehab
John Bielicki and Manifest Lending helped us navigate a complex non-warrantable condo project in Atlanta. Securing financing was a major challenge due to the non-warrantable status, absence of an HOA, and fire damage. Manifest Lending structured multiple loans—including bridge, rehab, and purchase financing—that addressed the full scope of the project. Thanks to their support, we are now on track to complete the project.
Rachel Morgan
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Extremely Fast Closings
When you need an extremely fast closing, we’re here for you. This borrower came to us after their prior lender dropped out after working with them up to three days before the scheduled closing date. This was after the closing date had already been extended twice due to the lender’s extensive underwriting. The borrower urgently needed this closing date to stay intact, or else the seller would back out. Manifest Lending came in and did the fix and flip loan within three days. We were even able to dramatically lower the borrower’s cash to close thanks to our 2nd lien which allowed them to bring even less cash to close than they would have with the original lender.
Purchase & Rehab
2nd Liens
Our prior lender for this deal backed out after we already had to extend the closing date twice with the seller. To keep the deal we needed a lender to close this loan within three days. Right as I was losing hope anyone could do it, Manifest Lending LLC came to the rescue! I was shocked at how responsive, efficient, and amenable they were being to our needs. Not only did they close within three days, they also allowed us to increase our leverage with the use of a 2nd lien that allowed us to bring almost no cash to close on this deal!
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Tailored Multi-Loan Solutions
In a recent case, a borrower with a credit score in the low 600s wanted to minimize cash out-of-pocket on a purchase and rehab project using 1st and 2nd liens. We successfully closed the deal without any issues, and we’re now assisting the client with a DSCR loan to refinance the initial financing of the property. This will allow them to secure long-term debt on the property and begin generating positive cash flow. As can be seen, we specialize in providing tailored lending solutions to help you move forward in your real estate journey. Regardless of your financial situation, we’ll either find a way to make your deal work or offer expert guidance to get you on the right path.
Purchase & Rehab with 2nd Lien
DSCR
The team at Manifest Lending were truly the difference-makers that made this deal possible. After approaching countless lenders and facing rejection due to my credit score, I was beginning to lose hope. The few lenders willing to proceed offered pricing and cash-to-close terms that were simply too high. Fortunately, Manifest Lending recognized the potential in this deal and worked closely with me to find a solution—minimizing the cash required at closing and helping navigate around the credit challenges. I’m incredibly grateful for their support and will absolutely work with them on future deals.
Laura Davies
FAQs
FAQs
FAQs
Answering your questions
Answering your questions
Answering your questions
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
Got more questions? Send us your enquiry below
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
What states do you service?
We primarily work in the Southeast and the sunbelt regions, however, we have the ability to close loans nationwide.
How long does a loan typically take to close?
Loan timelines vary depending on the loan type. We have the ability to close loans in as little as three days, but the average timeline is 2 weeks.
Can I get my deal priced out?
Yes! We can get you preliminary terms very quickly. Please just email Johnb@manifestlendingllc.com or call 770-294-5462 to get terms for your deal.
How involved will Manifest Lending be throughout the process?
We are as involved as you want us to be. We try to simplify the loan application process and minimize your involvement so you can focus on your project.
Are there any asset types or loans that you will not consider?
We consider every loan application, no matter the circumstances. If you’re seeking financing, send us the details, we are committed to finding a solution that works for you.
Do you work with brokers?
Yes, we work with brokers. If you have a deal then feel free to send it over and partner with us.
Will you match terms that I got from another lender?
Not only will we match the terms, we will try our best to beat those terms!
Contact
Contact
Contact
Get in touch
For any inquiries or to explore your loan further, we invite you to contact our professional team using the details provided below.
Telephone
770-294-5462