Secure 30-year fixed or adjustable-rate mortgages with no income verification
Flexible Loan Terms
Simplified Qualification
Qualify based on property cash flow, not personal income, with DSCR-focused underwriting.
Funding For All Property Types
Loans from $100K to $3.5M for single-family homes, multi-units, and townhomes
Fast Closings & Streamlined Process
Close in as little as 10 days with minimal paperwork and flexible prepayment options.
Fast, Flexible DSCR Rental Loans for Real Estate Investors
Our DSCR loan program qualifies you based on rental income, offering up to $3.5M in financing. Choose 30-year fixed or adjustable-rate mortgages with flexible terms and competitive rates. Whether you’re purchasing, refinancing, or cashing out, our fast approvals and streamlined process help you secure funding quickly and keep growing
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How can I apply for a loan with Funded Capital?Applying for a loan with Funded Capital is straightforward. Simply visit our website, select the loan type that best fits your needs, and complete our brief application form. A member of our team will reach out promptly to discuss your specific requirements and guide you through the next steps, ensuring you get the funding you need as efficiently as possible.
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What types of properties does Funded Capital finance?Funded Capital provides financing for a variety of real estate projects, including single-family homes, multi-family residences, commercial properties, and mixed-use developments. Whether you’re focused on fix-and-flip, new construction, or building a rental portfolio, we have flexible loan solutions to support your investment.
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What is the loan approval process at Funded Capital?A: At Funded Capital, we focus on a fast, flexible loan approval process that gets you the funds you need without hassle. Here’s how it works: 1. Apply with Ease: Start by submitting a quick application, either online or with one of our dedicated loan advisors, to provide us with the basics of your project and goals. 2. Quick, In-Depth Review: Our experienced team conducts a thorough review of your application and reaches out to clarify any details if needed. We consider each applicant’s unique project potential, not just traditional metrics, to offer you the best solution. 3. Tailored Loan Terms Just for You: Once approved, you’ll receive a personalized loan offer with clear terms that align with your project’s goals, including competitive rates and flexible options. 4. Fast Approval & Closing: After you review and accept the offer, we expedite the final steps to ensure funding is completed quickly. Our team remains available to assist with any questions from start to finish.
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What are the benefits of choosing Funded Capital for real estate financing?Funded Capital stands out as a preferred financing partner for real estate investors due to our competitive rates, expedited processes, and dedicated client support. Our loan programs are specifically designed to meet the fast-paced demands of real estate projects, whether you’re focused on flipping properties, building new structures, or expanding your rental holdings. With a track record of success, extensive industry knowledge, and a commitment to helping clients grow their investments, we make financing simple and effective.
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How does Funded Capital support real estate investors in achieving their goals?At Funded Capital, we’re more than just a lender—we’re an ally in your real estate journey. From offering custom loan solutions to providing one-on-one guidance, we equip you with the tools and support you need to make informed, profitable decisions. Our team understands the complexities and opportunities of real estate investing, and we work to ensure that every loan aligns with your short- and long-term goals. By choosing Funded Capital, you’re partnering with a team invested in your success.
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What sets Funded Capital apart from other real estate financing companies?Funded Capital is distinct for our speed, reliability, and investor-centered approach to lending. Unlike traditional lenders, we prioritize fast approvals and flexible terms to keep investors competitive and confident in their pursuits. Our range of tailored loan products, nationwide services, and highly experienced team make Funded Capital a go-to resource for investors looking for a streamlined and supportive lending experience. Partner with us to access funds quickly and gain a financing partner committed to helping you excel in your real estate endeavors.
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What are the initial steps to apply for a loan with Funded Capital?Start by filling out our online application form or contacting us directly. We’ll gather basic information about you, your investment experience, and the property or properties involved.
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What documents are required during the application process?Commonly required documents include proof of ownership (if refinancing), recent bank statements, property details, and renovation plans for fix-and-flip or new construction loans. For DSCR loans, rental income documentation may be needed.
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How long does the application process usually take?Our initial review typically takes 24-48 hours. Once your application is submitted with all necessary documentation, we can often close within 10 days for fix-and-flip loans and 2-3 weeks for other loan types.
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Do I need a property under contract to apply?For fix-and-flip and new construction loans, it’s ideal to have the property under contract to expedite the process. However, we can pre-approve you based on your financing needs, so you’re ready to act when the right property is secured.
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Can I apply for multiple loans simultaneously?Yes, if you’re working on multiple projects, you can apply for multiple loans. Our team will review your applications based on your experience, financial standing, and project scope.
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How is my credit score factored into the application?We consider your credit score as part of our assessment, but our focus is on the investment property’s potential and your experience. Even with a lower score, you may still qualify based on the property’s value and cash flow potential.
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Can I reapply if my application is declined?Yes, if your initial application is declined, our team will provide feedback on the reasons and suggest any adjustments that could help you qualify in the future.
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Can I use a fix-and-flip loan to cover unexpected renovation costs?Yes, our fix-and-flip loans include options for financing renovation expenses and have flexibility to handle unexpected costs, so your project stays on track.
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What are the typical interest rates and terms for a fix-and-flip loan?Our fix-and-flip loans come with 12-month interest-only terms, giving you lower monthly payments and maximizing cash flow. We also offer flexible extension options if you need more time to complete your project. Funded Capital provides competitive rates starting at 10.75%, ensuring you get the best financing solution to maximize your returns..
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How do draws work in Funded Capital’s fix-and-flip loans?Our SnapDraw System allows you to access rehab funds within 24 hours by simply uploading pictures using a mobile friendly link. Instead of waiting on traditional inspections, you can request a draw once each stage of work is completed. This ensures a fast and seamless process, so you can keep your project moving without delays.
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Can I finance multiple flips at once?Funded Capital offers two flexible options for financing multiple projects. You can get funded on a deal-by-deal basis, ensuring each project gets the right financing tailored to its needs. Alternatively, our Fix-and-Flip Portfolio Loan Program allows you to secure funding for multiple properties under one streamlined loan, optimizing cash flow and simplifying management.
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What is the maximum Loan-to-Value (LTV) for a fix-and-flip loan?Our LTV ratio is up to 90% of the purchase price and 100% of the rehab costs, giving investors maximum leverage while balancing risk.
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Can I use Funded Capital’s construction loan for custom home projects?Yes, we support both custom home builds and spec homes, with flexible funding that matches each stage of your project.
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Is land acquisition included in the new construction loan?Absolutely. We offer 100% financing for the construction portion of the project and up to 75% for land acquisition. If you already own the land, you can receive a 75% reimbursement based on its appraised value, making it easier to leverage your existing assets for new development.”
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What’s the typical loan term for a new construction loan?Terms are generally 12 months, providing ample time for completion. We also offer options for extensions if the project requires more time.
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Can I refinance a completed construction project into a rental loan?Yes, once construction is complete, we can help you transition seamlessly into a DSCR rental loan to turn the property into an income-generating asset.
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How does Funded Capital determine DSCR eligibility?To qualify for the maximum LTV, we require a DSCR ratio of at least 1.2. For lower LTVs, we can go as low as a 1.0 DSCR. This ensures the property’s income can cover the debt while allowing flexibility in financing options.
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Can I qualify without personal income verification?Yes, DSCR loans rely on property cash flow, not personal income. This is ideal for seasoned investors with multiple properties or those who are self-employed.
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Is a pre-existing rental property required, or can I acquire a new one?Both options are available. We finance acquisitions of new rental properties or refinance existing ones, helping investors expand their portfolios.
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What is the typical LTV ratio for DSCR loans?Our DSCR loans offer up to 80% LTV, giving you solid leverage for profitable rental investments.
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How does a portfolio loan simplify managing multiple properties?A portfolio loan lets you combine multiple properties into one streamlined loan, reducing paperwork, simplifying payments, and potentially securing a lower overall rate.
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Can I add properties to an existing portfolio loan?Yes, our portfolio loans are designed for growth, enabling you to add or refinance properties as your investment strategy evolves.
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Is there a minimum or maximum number of properties required for a portfolio loan?There’s no set minimum, but owning multiple multi-family properties can maximize your benefits. Our team will evaluate your portfolio and customize the best financing solution for you.
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How do portfolio loans impact overall cash flow and loan terms?Portfolio loans often improve cash flow by consolidating debt and extending terms. This is beneficial for investors balancing income from multiple properties.
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How long does it take to close a portfolio loan?Portfolio loans typically close in 7-10 days, allowing investors to quickly consolidate multiple properties into a single loan and streamline their financing.
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How much equity can I access with a cash-out refinance?You can access up to 80% of your property’s equity, providing funds to reinvest while retaining a substantial ownership stake.
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Can I use the cash-out refinance funds for other multi-family investment properties?Yes! Many investors leverage cash-out refinancing to unlock equity for new acquisitions or property improvements, enabling them to expand their portfolio and increase cash flow strategically.
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How long does it take to close a cash-out refinance with Funded Capital?We aim to close cash-out refinance loans in just 7-10 days, ensuring you get quick access to funds for reinvestment or other financial goals.
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Is cash-out refinancing an option for properties in need of repair?Yes, even single-family properties needing some work can qualify. This allows you to use your home equity for repairs, increasing property value and rental income potential.
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How fast can I close a cash-out refinance loan?Our cash-out refinance loans close in just 7-10 days, ensuring you get fast access to your equity for reinvestment, renovations, or portfolio growth.
Secure Your DSCR Loan in 3 Simple Steps!
#1
Fill out our quick application, and we’ll connect with you to discuss financing options for your project.
#2
Our loan strategist will design a custom financing plan that maximizes your profits.
#3
Close in as little as 5-7 days, and start your project with the funding you need.
Why Funded Capital?
At Funded Capital, we provide tailored financing solutions for real estate investors. Our DSCR loans allow you to qualify based on rental income, not personal finances, making it easier to scale your rental portfolio. Whether you’re purchasing, refinancing, or cashing out, our flexible loan programs offer long-term stability and competitive rates.
Quick & Streamlined Funding
• No income verification required—qualify based on property cash flow
• Close in as little as 5-7 days for qualified borrowers
• Available for single-family homes, 2-4 unit properties, and townhomes
• Lending in 44 states
Flexible Loan Structures
• Loan options: 5/6, 7/6, or 10/6 ARM (Adjustable Rate Mortgage) or 30-year FRM (Fixed Rate Mortgage)
• Interest-only options: ARMs offer interest-only payments during the initial fixed rate period (5, 7, or 10 years)
• FRMs: 5-year, 10-year, or 30-year terms
Maximized Leverage & Scalable Financing
• Loan amounts from $100K to $3.5M
• Up to 80% LTV for purchases and refinances
• DSCR as low as 1.2x required for qualification
• Cash-out refinance options available
Tailored Solutions for Investors
• Available to LLCs & Corporations—no personal loan required
• Foreign nationals eligible (must meet lender requirements)
• 660+ minimum FICO score (case-by-case exceptions available
Optimize Your Investment with Our DSCR Loan Calculator
Funded Capital’s DSCR Loan Calculator is a powerful tool designed to help real estate investors evaluate rental property financing options with ease. Whether you’re acquiring, refinancing, or cashing out, our calculator simplifies the numbers—factoring in property cash flow, loan terms, and debt service coverage ratios (DSCR)—so you can make data-driven investment decisions with confidence.
With our easy-to-use tool, you can:
✅ Estimate loan terms and monthly payments
✅ Analyze DSCR ratios and cash flow scenarios
✅ Ensure your property meets lender requirements
✅ Make informed, strategic financing decisions
The Key to Limitless Capital
Fill out the form to secure a DSCR Rental Loan your next investment property.
"I've had the pleasure of working with Luis Fajardo at Funded Capital for two years now, and my experience has consistently been exceptional. Luis is remarkably efficient and reliable, ensuring every detail is handled promptly and professionally. His transparency throughout our partnership has been invaluable, providing clear explanations and keeping me informed at every stage. Additionally, Luis consistently delivers cost-effective solutions that align perfectly with my needs. I wholeheartedly recommend him for anyone seeking a dependable and transparent lending partner."
Michael B
Real Estate Broker | Funded Capital Client
Why Funded Capital
At Funded Capital, we provide tailored financing solutions for real estate investors. Our DSCR loans allow you to qualify based on rental income, not personal finances, making it easier to scale your rental portfolio. Whether you’re purchasing, refinancing, or cashing out, our flexible loan programs offer long-term stability and competitive rates.
Quick & Streamlined Funding
• No income verification required—qualify based on property cash flow
• Close in as little as 5-7 days for qualified borrowers
• Available for single-family homes, 2-4 unit properties, and townhomes
• Lending in 44 states
Flexible Loan Structures
• Loan options: 5/6, 7/6, or 10/6 ARM (Adjustable Rate Mortgage) or 30-year FRM (Fixed Rate Mortgage)
• Interest-only options: ARMs offer interest-only payments during the initial fixed rate period (5, 7, or 10 years)
• FRMs: 5-year, 10-year, or 30-year terms
Maximized Leverage & Scalable Financing
• Loan amounts from $100K to $3.5M
• Up to 80% LTV for purchases and refinances
• DSCR as low as 1.2x required for qualification
• Cash-out refinance options available
Tailored Solutions for Investors
• Available to LLCs & Corporations—no personal loan required
• Foreign nationals eligible (must meet lender requirements)
• 660+ minimum FICO score (case-by-case exceptions available
