Image Source: Yazan Ghezlan

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Written by Connie Etemadi

Real estate investors are discovering that the key to scaling portfolios isn’t always about finding deals — it’s about structuring capital. At the forefront of this financial transformation is Yazan Ghezlan, the 19-year-old junior partner at Munoz & Ghezlan, a direct lender redefining real estate finance through creativity and speed.

With over 115 years of collective experience behind the firm, Munoz & Ghezlan specializes in creative DSCR loans, working-capital lending, and flexible credit solutions that allow investors to purchase properties with minimal personal funds. The firm’s approach merges the best of private lending — speed and flexibility — with the reliability of institutional underwriting.

Funding That Moves as Fast as Investors

Traditional banks often move too slowly for modern investors. Deals are lost to red tape, delayed approvals, and outdated risk assessments. Munoz & Ghezlan’s process is different.

“Our mission is to fund deals faster and smarter,” Ghezlan explains. “We help investors use their business credit and property performance together to unlock capital that scales portfolios.”

Through creative structuring, investors can combine DSCR financing with working capital to minimize down payments and preserve liquidity. These hybrid models are especially powerful for rental property acquisitions and multifamily investments.

Why DSCR Loans Are Game-Changing

Unlike traditional loans that rely on personal income verification, DSCR loans are based on property cash flow. This structure allows investors — even those with complex income streams — to qualify based on asset performance rather than pay stubs.

Ghezlan’s firm has perfected this model, offering fast turnaround times, competitive interest rates, and flexible qualification standards. Investors across the Midwest are using Munoz & Ghezlan’s creative DSCR structures to expand portfolios rapidly and strategically.

The Rise of a Young Industry Leader

Ghezlan’s path from immigrant student to finance leader is a story of determination. He arrived in the U.S. at eight, worked restaurant jobs at 16, and by 19 had closed more than 500 real estate investment loans.

“Age isn’t a barrier in finance anymore,” he says. “If you produce results, people respect you.”

That philosophy drives his growing influence among real estate investors nationwide. Under his leadership, Munoz & Ghezlan has become one of the Midwest’s fastest-scaling private lenders — a firm known for execution, transparency, and innovation.

Leveraging Technology and Vision

Beyond traditional lending, Ghezlan envisions a future where artificial intelligence streamlines loan origination and underwriting. His upcoming fintech initiative will automate much of the lending process, offering real estate investors even faster access to capital.

“I see technology not as a threat, but as the next stage of opportunity,” Ghezlan says. “Automation will help investors focus on strategy instead of paperwork.”

Empowering Investors Through Education

Ghezlan also mentors aspiring entrepreneurs on how to buy investment property with little money down, how to use business credit to buy property, and how to think like institutional lenders. The goal is simple: democratize access to financial knowledge once reserved for insiders.

A New Era in Real Estate Lending

Munoz & Ghezlan’s innovative funding strategies represent a paradigm shift in real estate finance. For investors who want to grow faster, preserve liquidity, and think strategically, the firm offers a smarter path forward — one defined by speed, creativity, and performance.

“We’re not just closing loans,” Ghezlan says. “We’re helping investors build empires.We are helping people build generational wealth for their children & bringing creative Wall Street finance strategies to the everyday person”

Follow @YazanGhezlan on Instagram, TikTok, LinkedIn, X, Facebook, and YouTube to learn more about creative real estate finance strategies.