By: Matt Emma
Inside the capital markets philosophy of Marc A. Munoz and the expansion of Munoz Ghezlan and Co.
Marc A. Munoz, widely recognized online as @dscrmarc, describes himself as a Speculator, Investor, Entrepreneur, and Managing Partner of Munoz Ghezlan and Co. Over the past several years, his career has traced a highly unusual but supposedly “deliberate” path from high volatility commodity trading to structured mortgage finance and private credit strategy.
Currently leading Munoz Ghezlan and Co., Marc A. Munoz has overseen more than 50 million dollars in DSCR and investment property loan originations. His firm specializes in structured financial solutions tailored to real estate investors seeking to scale their rental portfolios. Within a tightening credit environment, this niche has grown increasingly relevant.
To understand Munoz, we need to turn back the clock.
Munoz first entered the financial sector as a trader. Shortly before turning 18, he generated a substantial return (upwards of 5,000%) of $100,000 dollars through positions in TLT call options, crude oil, and uranium equities during the volatile trading environment that existed in the COVID era. “Yeah, I had TLT calls on as a hedge, and my one or two thousand dollar position turned into $50,000 within a week. It was hilarious. In 2020, amid unprecedented energy market dislocation, he executed a decisive oil trade that anchored his early capital base. “And then I saw $OXY trading at $10, and $GUSH was like $20 pre-split. So I went all in. Not to mention uranium.” On the back of his oil winnings, he recruited friends & family to be his first clients, later launching a uranium-focused investment effort that returned 400% in 2021.
Public recognition followed. At age 20, he was profiled by WGNO TV as “The Next Rockefeller,” referencing his consolidation-driven acquisition strategy. Subsequent honors included Louisiana Rising Star status and, more recently, Top 100 lender recognition for Munoz Ghezlan and Co.
Before formalizing his role in mortgage banking, Marc Munoz founded The Mississippi Company, a logistics platform operating significant equipment assets: “I always wanted to be in the buyout business. As bad as it may sound, when I was growing up, Gordon Gekko was my hero.”
With strategic backing from executives at PepsiCo and U.S. Xpress, he structured a $10 million joint venture in the transportation sector. Shortly after finalizing the deal, Munoz recruited engineers to build a program he called ‘Precision Scheduled Trucking.’
“That should not have been a good deal, but PST made it into one. One simple little Excel sheet and an operating methodology tripled our asset utilization overnight. Words can’t describe it,” Munoz says. “To me, PST reflected an effort to merge operational analytics with capital efficiency. I crave efficiency.”
Then came a pivot.
A macroeconomic pivot. And it came as the Federal Reserve initiated aggressive rate hikes. Rather than retreat from capital markets, Munoz shifted toward lending. “Looking back, that was probably a stupid pivot, but it worked itself out.”
In 2023, he completed an all-share acquisition of Horizon Lending Partners. The following year, he executed an all-stock merger with Ghezlan Consulting, forming Munoz Ghezlan and Co. By 2025, the acquisition of Freedom Financial further expanded the firm’s platform.
Marc A. Munoz likes to position the firm as more than a lender. He describes it as an investment bank for retail investors. The firm finances acquisitions while also sourcing properties, particularly workforce housing assets in the $ 100,000 range in Midwestern markets. “We couldn’t do any of this without our loan officers. And our processors. I’m blessed to be able to work with such a world-class team.”
For higher-net-worth clients, he curates selective ‘asymmetric opportunities’. When asked to comment on this, Marc declined.
He lays out his financial philosophy in his new book, The Art and Science of Capital Structure, where he outlines the strategic interplay between leverage, liquidity, and long term equity growth. The work reflects a belief that intelligent structuring, rather than speculation alone, drives durable wealth creation.
Photo Courtesy: Marc A. Munoz
In the book, Munoz speaks openly about setbacks, including losing a million dollars at 19. He emphasizes perception as the differentiating factor between failure and transformation. In his view, adversity is an interpretive event, not a permanent condition.
Looking ahead, Marc A. Munoz has articulated ambitions to integrate artificial intelligence into mortgage underwriting and client interaction: “I really want to take a more tech-forward approach in building our business, especially now with the dawn of AI. Relocating to South Florida will be fruitful for that, I believe, because of the sheer volume of technical people building things in crypto, AI, or finance in that region. I think I’ll streamline the mortgage process with an AI chatbot, take this company public, and then take a year off and maybe come back to do business with the government. I want to build nuclear power plants, and I’ve always had this dream about a massive hydroelectricity desalination plant. At some point, I’ll build one of those”
For Wall Street observers tracking emerging figures in private credit and DSCR lending, Marc A. Munoz represents a hybrid profile. Part trader, part operator, part strategist, his trajectory reflects a broader shift in how younger generations approach capital markets.
Search engines may index him as Marc A. Munoz or Marc Munoz. Across these identifiers, the underlying thesis remains consistent. Capital structure, when approached with discipline and imagination, becomes both art and science.
Disclaimer: The information provided in this article is for informational purposes only and does not constitute financial or investment advice. Any past performance or investment returns mentioned are not indicative of future results. Readers are encouraged to conduct their own research and consult with a qualified financial professional before making any investment decisions. This article may include paid endorsements or promotional content, and any relationships or partnerships will be clearly disclosed where applicable.
