Business Page

Dalton O'Donnell - Team ODO @ Cap One Lending, LLC
Lender
5.0 stars
263 Reviews
Markets served
Florida
Kansas
Missouri
Texas
Nationwide
Except the following states:
Minnesota
North Dakota
South Dakota
Licenses
Company NMLS
#2069936
Additional info available at the
NMLS consumer access website
Additional Licenses & Information
Florida license: LO82490 Kansas License: LO.0043328 Missouri License: 2069936
About us
Veteran owned and operated with 5 out of 5 stars on Google! Top rated investment lender in MO, KS, TX and FL. MINIMUM LOAN AMOUNT OF 100k. Minimum FICO of 660. DSCR Loan minimum down payment of 20%. 20% down for Conventional. 10%-15% down for Hard Money. We guarantee quick and constant communication throughout the process on every deal! Might sound cliche but nothing is worse than a professional that doesn't answer their phone and takes forever to get back to you. I can always be reached (nights and weekends) which helps my investors win contracts and get closed FAST! Additionally, we have a wide variety of products including in-house hard money, DSCR, Conventional, Government (VA, USDA, and FHA), House Hacking Loan strategies, bridge loans, and more.
Specialties
Conventional & Gov.
Refinance (investment)
Conventional Rental Loan
VA Loan
Conventional Loan
Home Equity (primary home)
Refinance (primary home)
Hard/Private/Non-QM
Home Equity (investment)
Fix & Flip
DSCR (long-term rental)
DSCR (short-term rental)
Rehab for Buy & Hold
Bridge Loan
Refinance (investment)
Reviews (263)
5.0 stars
263 Reviews
5.0 stars
262 Reviews
5.0 stars
1 Review
5.0 stars
a month ago
Reviewed by
John Ruhl
We have really enjoyed working with Marty. He was very helpful all through the loan process. Appreciated him taking the extra step with us one on one. We are very satisfied and he is highly recommendable. Thanks, Marty.
5.0 stars
a month ago
Reviewed by
Wade Harper
We've worked with Marty for several years on multiple occasions and highly recommend him if you are looking for a mortgage. He is great with his communication, keeping you updated and moving things forward efficiently and accurate for the best loan on the market. We've recommended him to several others without anything but praise from them for the reference.
5.0 stars
a month ago
Reviewed by
Krista Christner
This place is awesome. The people are great, victor was wonderful.I very polite, understanding, efficient, compassionate explained. Whatever problems or anything I didn't understand they were great people to work with victor was wonderful, i will definitely refer grains and family to cap one lending, this place is awesome. The people are wonderful, sweet, kind. Respectful efficient thank you to everyone, thank you, Victor for everything.
5.0 stars
2 months ago
Reviewed by
Noelle Dave
Marty Payne was very professional, courteous and kept us informed as to what was happening. We are not tech savvy and he was a huge help with that end of it. His patience with us was greatly appreciated. We would highly recommend doing business with Marty to everyone.
5.0 stars
3 months ago
Reviewed by
Robin sutton
Alex was amazing at helping my kids and I get into our 1st home we were told no by other places, I’m a single mom and Alex came in and work long hours and got us a loan at a great rate and was so helpful and supportive during it:) we couldn’t be more happy with our home!!! We went and cap one went way out of the way to help the kids and I get into a home after there dad passed it was the best company I’ve ever worked with we are so grateful:)
5.0 stars
3 months ago
Reviewed by
sadie sachs
My husband and I purchased our first investment property with the help of Dalton and his team.
Dalton worked tirelessly with us and did such a great job. He is very creative and we would highly recommend working with him for any loan needs that you have. He is definitely a go-getter and that is what we like to work with! I would highly recommend him.
5.0 stars
4 months ago
Reviewed by
Mackenzie Charles
I had a great experience working with Marty! He got my client and I through a tough situation when our deal was about to fall through due to another lender. He was prompt, communicative, and knowledgeable. He went above and beyond to provide excellent service. I would definitely use/recommend him in the future!
5.0 stars
4 months ago
Reviewed by
Joseph Wallace
I cannot recommend Cap One Lending enough! From our very first meeting, they took the time to understand my unique financial situation and goals. Their expertise in the mortgage process was evident, and they guided me through every step with clarity and professionalism.
What impressed me the most was their responsiveness. No matter how many questions I had (and I had quite a few!), Jordan was always quick to respond with thorough and patient explanations. They truly went above and beyond to ensure I felt confident in my decisions.
Thanks to Jordan's hard work and dedication, I secured a beautiful second home for my family. The entire process was seamless, and I felt supported every step of the way. Thank you for making my home buying experience so positive!"

5.0 stars
6 months ago
Reviewed by
Hari Yadav
Dalton was outstanding to work with on our real estate loan projects! His communication was always clear, timely, and professional, making the entire process seamless. Despite handling multiple loans simultaneously, he met every deadline with ease and ensured all details were accurate and well-managed. His expertise and ability to prioritize tasks made a huge difference in closing deals efficiently. I highly recommend Dalton for anyone needing a reliable, knowledgeable partner in real estate loans. Thank you for your exceptional work!

5.0 stars
6 months ago
Reviewed by
Hari Yadav
Dalton was outstanding to work with on our real estate loan projects! His communication was always clear, timely, and professional, making the entire process seamless. Despite handling multiple loans simultaneously, he met every deadline with ease and ensured all details were accurate and well-managed. His expertise and ability to prioritize tasks made a huge difference in closing deals efficiently. I highly recommend Dalton for anyone needing a reliable, knowledgeable partner in real estate loans. Thank you for your exceptional work!
5.0 stars
a month ago
Reviewed by
John Ruhl
We have really enjoyed working with Marty. He was very helpful all through the loan process. Appreciated him taking the extra step with us one on one. We are very satisfied and he is highly recommendable. Thanks, Marty.
5.0 stars
a month ago
Reviewed by
Wade Harper
We've worked with Marty for several years on multiple occasions and highly recommend him if you are looking for a mortgage. He is great with his communication, keeping you updated and moving things forward efficiently and accurate for the best loan on the market. We've recommended him to several others without anything but praise from them for the reference.
5.0 stars
a month ago
Reviewed by
Krista Christner
This place is awesome. The people are great, victor was wonderful.I very polite, understanding, efficient, compassionate explained. Whatever problems or anything I didn't understand they were great people to work with victor was wonderful, i will definitely refer grains and family to cap one lending, this place is awesome. The people are wonderful, sweet, kind. Respectful efficient thank you to everyone, thank you, Victor for everything.
5.0 stars
2 months ago
Reviewed by
Noelle Dave
Marty Payne was very professional, courteous and kept us informed as to what was happening. We are not tech savvy and he was a huge help with that end of it. His patience with us was greatly appreciated. We would highly recommend doing business with Marty to everyone.
5.0 stars
3 months ago
Reviewed by
Robin sutton
Alex was amazing at helping my kids and I get into our 1st home we were told no by other places, I’m a single mom and Alex came in and work long hours and got us a loan at a great rate and was so helpful and supportive during it:) we couldn’t be more happy with our home!!! We went and cap one went way out of the way to help the kids and I get into a home after there dad passed it was the best company I’ve ever worked with we are so grateful:)
5.0 stars
3 months ago
Reviewed by
sadie sachs
My husband and I purchased our first investment property with the help of Dalton and his team.
Dalton worked tirelessly with us and did such a great job. He is very creative and we would highly recommend working with him for any loan needs that you have. He is definitely a go-getter and that is what we like to work with! I would highly recommend him.
5.0 stars
4 months ago
Reviewed by
Mackenzie Charles
I had a great experience working with Marty! He got my client and I through a tough situation when our deal was about to fall through due to another lender. He was prompt, communicative, and knowledgeable. He went above and beyond to provide excellent service. I would definitely use/recommend him in the future!
5.0 stars
4 months ago
Reviewed by
Joseph Wallace
I cannot recommend Cap One Lending enough! From our very first meeting, they took the time to understand my unique financial situation and goals. Their expertise in the mortgage process was evident, and they guided me through every step with clarity and professionalism.
What impressed me the most was their responsiveness. No matter how many questions I had (and I had quite a few!), Jordan was always quick to respond with thorough and patient explanations. They truly went above and beyond to ensure I felt confident in my decisions.
Thanks to Jordan's hard work and dedication, I secured a beautiful second home for my family. The entire process was seamless, and I felt supported every step of the way. Thank you for making my home buying experience so positive!"