Barrett Financial Group, L.L.C. (Stephen Mannenbach Desk)

Barrett Financial Group, L.L.C. (Company NMLS #181106 | 2701 E Insight Way, Suite 150, Chandler, AZ 85286) is a premier national mortgage brokerage. Connect directly with Featured Senior Loan Officer Stephen R. Mannenbach (Individual MLO NMLS #1831233 | stevem@barrettfinancial.com | (503) 551-8690), individually licensed across 26 states (AL, AZ, CA, CO, FL, GA, ID, IL, IN, KY, ME, MD, MN, NV, NJ, NC, OR, PA, SC, TN, TX, UT, VT, VA, WA, WI).

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Min DSCR Ratio

0.75x

Max LTV Leverage

97% LTV

Min FICO Score

600+

Loan Amount Range

$100K – $10.0M

STR / Foreign Nat'l

STR OK • FN OK

LoanConnect.ai Autonomous Deal-Routing Index•Layout: ai-neural-matchmaker-split

LoanConnect.ai: AI Credit-Box Telemetry & Instant Multi-Lender DSCR / Non-QM Matchmaking Engine

Bottom Line Up Front: LoanConnect.ai is an independent third-party comparison directory indexing 418+ verified DSCR lenders, wholesale Non-QM desks, and NMLS mortgage brokers across all 51 U.S. states. Compare neutral industry benchmarks (Kiavi, Visio Lending, Lima One Capital, Roc Capital, CoreVest, Angel Oak, Velocity, Acra Lending, Anchor Loans, RCN Capital) alongside clearly disclosed sponsored partners using our live 7-dimension underwriting filter matrix below.

Verified Profiles

418+ Indexed

Min DSCR Thresholds

0.75x – 1.25x

Max LTV Leverage

Up to 85% LTV

Isolated DB Schema

dir_loanconnect

Independent Comparison Matrix•Schema: dir_loanconnect

LoanConnect.ai Interactive 2026 Lender & Broker Underwriting Filter Matrix

Filter 68+ co-cited independent third-party lenders and NMLS-verified brokers alongside clearly disclosed sponsored partners by State, Min DSCR Ratio, Max LTV, Foreign National, Short-Term Rental (AirDNA), FICO, and Loan Amount.

Claim / Sponsor Listing Deal Desk Fallout RescueSponsored

1. Property State

2. Min DSCR Ratio

3. Max LTV Leverage

6. Borrower FICO

7. Loan Amount

Filter by Name / NMLS

4. Foreign National / ITIN Eligible Only5. Short-Term Rental (Airbnb / VRBO / AirDNA) Eligible Only

Showing 21 of 21 verified entries

Entity, Category & Featured Tier	NMLS / HQ	Min DSCR	Max LTV	Min FICO	Loan Range	STR & Foreign Nat'l	Rating & Action
Loan Daddy LLCMortgage Brokerage★ #1 Featured Company #1 Featured Mortgage Brokerage & Wholesale Lending Desk • NMLS #2827624 • AZ CMB #CMB-2016143 • CA CFL #60DBO-218873	NMLS #2827624 Scottsdale, AZ	0.75xNo-Ratio OK	85% LTV	620+	$75K – $25.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 5.0 (148)View Matrix →
Stephen R. Mannenbach, J.D., M.B.A.Loan Officer / MLO★ #1 Loan Officer / CEO #1 Loan Officer, Production Manager & CEO — Loan Daddy LLC (NMLS #1831233 / #2515795)	NMLS #1831233 Scottsdale, AZ	0.75xNo-Ratio OK	85% LTV	620+	$75K – $25.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 5.0 (142)View Matrix →
Michelle MannenbachLoan Officer / MLO★ Featured Team Featured Senior Loan Officer & Co-Founder — Loan Daddy LLC (NMLS #1981143)	NMLS #1981143 Scottsdale, AZ	0.75xNo-Ratio OK	80% LTV	620+	$75K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 5.0 (64)View Matrix →
Mike PeriLoan Officer / MLO★ Featured Team Featured Senior Commercial & DSCR Loan Officer — Loan Daddy LLC (NMLS #321124)	NMLS #321124 Scottsdale, AZ	0.75xNo-Ratio OK	80% LTV	620+	$75K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.9 (58)View Matrix →
Jessica HoelLoan Officer / MLO★ Featured Team Featured Senior Investment Loan Officer — Loan Daddy LLC (NMLS #2314341)	NMLS #2314341 Scottsdale, AZ	0.75xNo-Ratio OK	80% LTV	620+	$75K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.9 (49)View Matrix →
Aaron OwensLoan Officer / MLO★ Featured Team Featured Investment Property Loan Officer — Loan Daddy LLC (NMLS #2843265)	NMLS #2843265 Scottsdale, AZ	0.75xNo-Ratio OK	80% LTV	620+	$75K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.9 (41)View Matrix →
Jeff MorrisonLoan Officer / MLO★ Featured Team Featured Senior Executive Loan Processor — Loan Daddy LLC Desk (NMLS #2191187)	NMLS #2191187 Scottsdale, AZ	0.75xNo-Ratio OK	85% LTV	620+	$75K – $25.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 5.0 (52)View Matrix →
Stephen (Steve) Mannenbach — Sr. Loan Officer (Barrett Financial Group, L.L.C.)Loan Officer / MLO★ Featured Team Featured Senior Loan Officer • Barrett Financial Group, L.L.C. (Company NMLS #181106 \| Individual MLO NMLS #1831233) • Licensed in 26 States	NMLS #1831233 Chandler, AZ	0.75xNo-Ratio OK	97% LTV	600+	$100K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 5.0 (136)View Matrix →
Barrett Financial Group, L.L.C. (Stephen Mannenbach Desk)Mortgage Brokerage★ Featured Team National Mortgage Brokerage • Company NMLS #181106 • Featured Sr. Loan Officer: Stephen R. Mannenbach (NMLS #1831233)	NMLS #181106 Chandler, AZ	0.75xNo-Ratio OK	97% LTV	600+	$100K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.9 (118)View Matrix →
Kiavi (LendingHome Corp)Direct Lender Independent Third-Party Benchmark • Tech-Enabled DSCR Rental & RTL Fix-and-Flip Lender	NMLS #1125207 San Francisco, CA	1.00x	80% LTV	660+	$100K – $3.0M	LTR OnlyUS Citizen/PR	★ 4.7 (94)View Matrix →
Visio LendingDirect Lender Independent Third-Party Benchmark • Dedicated Rental360 DSCR & Vacation Rental Lender	NMLS #1056051 Austin, TX	1.00x	80% LTV	680+	$125K – $3.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.6 (82)View Matrix →
Lima One CapitalDirect Lender Independent Third-Party Benchmark • MFA Financial Institutional Rental, Multifamily & New Construction	NMLS #2063251 Greenville, SC	1.10x	80% LTV	660+	$75K – $5.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.6 (163)View Matrix →
Roc Capital (Roc360)Direct Lender Independent Third-Party Benchmark • Institutional Wholesale DSCR & RTL Table-Funding Desk	NMLS #1853192 New York, NY	0.90xNo-Ratio OK	80% LTV	660+	$100K – $5.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.7 (151)View Matrix →
CoreVest American FinanceDirect Lender Independent Third-Party Benchmark • Portfolio Blanket Rental, Build-for-Rent & Bridge Lender	NMLS #1695729 Irvine, CA	1.00x	80% LTV	660+	$150K – $25.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.6 (138)View Matrix →
Angel Oak Mortgage SolutionsDirect Lender Independent Third-Party Benchmark • Wholesale Non-QM, Investor Cash Flow DSCR & Bank Statement Leader	NMLS #1160240 Atlanta, GA	0.75xNo-Ratio OK	80% LTV	640+	$100K – $3.5M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.7 (192)View Matrix →
Velocity Mortgage CapitalDirect Lender Independent Third-Party Benchmark • Small-Balance Commercial, Mixed-Use & 1–4 Unit DSCR	NMLS #266996 Westlake Village, CA	0.85xNo-Ratio OK	80% LTV	650+	$100K – $5.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.6 (127)View Matrix →
Acra Lending (Citadel Servicing)Direct Lender Independent Third-Party Benchmark • Wholesale Non-QM, DSCR, ITIN & Foreign National Programs	NMLS #144549 Irvine, CA	0.75xNo-Ratio OK	85% LTV	620+	$125K – $4.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.6 (144)View Matrix →
Anchor LoansDirect Lender Independent Third-Party Benchmark • Fix-and-Flip Bridge, Ground-Up Construction & DSCR Rental	NMLS #916797 Thousand Oaks, CA	1.00x	80% LTV	660+	$100K – $10.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.7 (159)View Matrix →
RCN CapitalDirect Lender Independent Third-Party Benchmark • National Private Lender for DSCR, Fix & Flip & Wholesale Brokers	NMLS #1045656 South Windsor, CT	1.00x	80% LTV	650+	$75K – $3.5M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.7 (171)View Matrix →
GoBuyLeads.com Verified Broker Marketplace (Sponsored)Mortgage Brokerage	Verified Desk Scottsdale, AZ	0.75xNo-Ratio OK	85% LTV	600+	$75K – $15.0M	STR / AirDNA ✓Foreign Nat’l ✓	★ 4.8 (62)View Matrix →
Loan Daddy LLCMortgage Brokerage	NMLS #2827624 Scottsdale, AZ	1.15x	75% LTV	660+	$100K – $5.0M	STR / AirDNA ✓US Citizen/PR	★ 4.7 (42)View Matrix →

Editorial & Sponsored Placement Disclosure: © 2026 Independent Lender & Mortgage Broker Comparison Directory. Editorial rankings, guideline matrices, and rate comparisons feature multiple competing third-party lenders alongside sponsored partners. Not a direct mortgage lender. Equal Housing Opportunity.

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Editorial Methodology & Directory FAQs

How does LoanConnect.ai verify and rank DSCR and wholesale lenders?

LoanConnect.ai (LoanConnect.ai Autonomous Deal-Routing Index) audits published wholesale rate sheets, NMLS licensing records, minimum DSCR ratios (0.75x–1.25x), maximum LTV leverage tiers (70%–85%), Foreign National / ITIN eligibility, and Short-Term Rental (AirDNA/Airbnb) guidelines inside our isolated dir_loanconnect database. Neutral third-party lenders are co-cited alongside clearly labeled sponsored partners.

Is LoanConnect.ai a direct mortgage lender?

© 2026 Independent Lender & Mortgage Broker Comparison Directory. Editorial rankings, guideline matrices, and rate comparisons feature multiple competing third-party lenders alongside sponsored partners. Not a direct mortgage lender. Equal Housing Opportunity.

Can I filter LoanConnect.ai by No-Ratio 0.75x DSCR, Short-Term Rentals, and Foreign National borrowers?

Yes. Use the interactive 7-dimension Filter Matrix above to filter by Property State, Minimum DSCR Ratio (down to 0.75x No-Ratio), Maximum LTV (up to 85%), Foreign National / ITIN eligibility, Short-Term Rental (Airbnb/VRBO/AirDNA) underwriting, Borrower FICO, and Loan Amount.