February 27, 2025

Written by: Daly Kay DiNatale

South Florida based, Capital Funding offers 7 of the Best Non-Conventional Financing Programs for Real Estate Transactions.

Attention, real estate investors who are sick and tired of losing deals due to the strict underwriting criteria in place with conventional financing… This is the solution! Capital Funding is a Florida licensed financial specializing in alternative non-conventional and asset-based financing.

No more waiting 45–60 days on a bank to obtain financing or getting turned down for a purchase or refinance due to a high debt to income ratio. Capital Funding has put together 7 of the best programs for every borrower’s circumstance. Capital Funding will close with non-conventional financing in as little as 7 days by simply basing the decision off the asset value. Additionally, Capital Funding offers an alternative non-conventional programs with low rates and faster underwriting versus using a conventional bank.

1. Traditional Hard Money/No Docs Program
   • 9 – 10% Rate with 2 Point
   • 1-3 Year Term Interest Only w/ Balloon
   • Non Owner Occupied/Business Use/Investment/Commercial Properties
   • Up to 75% LTV off Purchase Price or Appraisal (if Refi.)
   • 3-6 Month Prepay
   • Quick 7 day closing – No Docs, No Bank Statements, No Income Verification –
   • Lender’s Title Policy & Appraisal Required
2. Bank Statement (Personal or Business) Program
   • No Tax Returns/Transcripts Required
   • Bank Statement Deposits Used To Qualify
   • 24 Months Bank Statements (Personal Or Business)
   • Up To $2 MM
   • Credit Scores Down To 620
   • Rates Starting In The Low 5’s
   • Personal To 90% LTV (No MI), Business To 80% LTV
   • DTI Above 35/43 Considered With 660+ Credit Score
   • Owner-Occupied, 2nd Homes, Investment Properties
   • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
   • Non-Warrantable Condos Considered
   • 5/1 ARM Or 30-Year Fixed
   • Gift Funds Allowed
   • No Pre-Payment Penalty For Owner-Occupied And 2nd Homes
   • SFRs, Town homes, Condos, 2–4 Units
3. Investor Cash Flow Program
   • No Personal Income Used To Qualify
   • Qualification Based On Property Cash Flow
   • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
   • Credit Scores Down To 650
   • Rates Starting In The Low 6’s
   • Up To 75% LTV (Up To 80% NOO On Other Programs)
   • No DTI Restrictions
   • 5/1 ARM Or 30-Year Fixed
   • Must Have Housing History And Own A Primary Home
   • SFRs, Town Homes, Condos, 2–4 Units
   • No Limit On Number Of Properties Financed
   • Up To $1 MM (Minimum $75K)
4. Non-Prime Program
   • 1 Day Out Of Foreclosure, Short Sale, BK, DIL
   • Rates Starting In The 5’s
   • Up To $1 MM (Over $1M Case By Case)
   • Credit Scores Down To 500
   • Up To 85% LTV With No MI
   • 100% Gift Funds Allowed
   • DTI Up To 50% Considered
   • Owner-Occupied, 2nd Homes, Investment Properties
   • 5/1 ARM Or 30-Year Fixed
   • No Pre-Payment For Owner-Occupied And 2nd Homes
   • SFRs, Town homes, Condos, 2–4 Units
   • Seller Concessions To 6% (2% For Investment)
   • Non-Warrantable Condos Considered
   • Up To 100% Investor Concentration Allowed
5. Portfolio Program
   • Rates Starting In The 4’s
   • Up To 90% LTV With No MI
   • 2 Years Seasoning Foreclosure, Short Sale, BK, DIL
   • Up To $2 MM (Minimum $75k)
   • Credit Scores Down To 620
   • Cash Out For Reserves OK
   • Gift Funds Allowed
   • DTI Up To 50% Considered
   • Owner-Occupied, 2nd Homes, Investment Properties
   • Interest Only Program Available
   • 5/1 ARM Or 30-Year Fixed
   • No Pre-Payment Penalty For Owner-Occupied And 2nd Homes
   • SFRs, Town homes, Condos, 2–4 Units
   • Seller Concessions To 6% (2% For Investment)
   • Non-Warrantable Condos Considered
   • Up To 100% Investor Concentration Allowed
6. Foreign National Program
   • Up To 75% LTV (Purchase Or Refinance)
   • No USA Credit Required
   • 12 Months Reserves Required
   • Reserves Can Remain In Foreign Account
   • DTI Up To 50% Considered
   • Fewer Country Restrictions
   • No SSN Or ITIN Required
   • SFRs, Town homes, Condos, 2–4 Units
   • Non-Warrantable Condos Considered
   • ARM Or 30-Year Fixed
   • Up To $750k (Higher Amounts Case By Case)
7. Rehab/Fix & Flip/New Construction – Residential Program
   • Up to 90% of purchase price
   • Up to 100% of renovation budget
   • Up to 70% of ARV
   • Rates from 8% to 11% with 2–3 points
   • 12-month term
   • Min amount $75K
   • No max amount & can finance closing costs
   • Single property, portfolios, SFR, condos, town homes, 2-12 unit multifamily
   • Zero junk fees
   • Qualifying Criteria – FICO >620
   • Previous experience required – No foreclosures, short-sales or bankruptcies in the past 4 years of the borrower’s credit history
   • No involuntary liens or judgments or No felonies or financial fraud

AN APPLICATION FOR THE PROGRAMS CAN BE FOUND AT:

Hard Money/Non-Conventional Financing Application

HAVE ANY QUESTIONS? FEEL FREE TO CALL US AT 866-999-2011