Rental DSCR Program

A “Rental Investment” loan is a long-term loan used to purchase or refinance property with the intent to hold it for at least 3+ years in order to profit from the cash flow from the property and future appreciation. A Rental Investment loan is a great fit in the following situations:

  • When the property does not need renovations.
  • When you are looking to payoff a bridge loan which was used to renovate the property.
  • When the property is stabilized, leased up, or generating any income.
  • When you want a long term financing solution on rental investment property.

At Capital Funding, our rental investment loans close quickly…even in as little as 10-14 days at rates starting at 6.50%! Our Rental Investment loans require no personal income verification and very little documentation!

How does it work?

Investment Criteria

Loan Size$200,000 – $10 Million
Term30 Years
Time to Close17 – 28 Days from Deposit
Asset ClassesSingle Family and Multifamily Up to 12 Units
LTVUp to 80%
Lien PositionSenior secured first mortgage or deed of trust
Interest Rate6.50% – 8.75%
Origination Fees1.50% – 2.50% (adjusted to loan size, timing, and complexity)
AmortizationP&I and Interest Only Options
PPP / Yield Maintenance5/4/3/2/1; 3/2/1; and No PPP options
DSCR Requirement1.10x; 1.00x; and .75x Options Available
Minimum Credit Score660 (exceptions case by case)

Required Documents

We recommend being prepared to provide the following documentation in order to process this type of loan as efficiently as possible.

Property Documents

Current Rent Roll
Purchase Contract or Payoff & Current Mortgage Statement (if applicable)
Leases (If applicable)
Tax Bill
Insurance Bill
Property Management Agreement (if applicable)
Valuation (to be ordered)
Title & Insurance Contacts

Personal Documents

Loan Application
Copy of Driver’s License & Passport
Personal Financial Statement
Schedule of Real Estate Owned
Last Two Months of All Bank Statements

Business Documents

Entity Documents – Articles of Organization + Bylaws/Operating Agreement

APPLY NOW

Get the fastest hard money lender on your side and let Capital Funding fund your dreams.

LET’S GET STARTED

Wondering which program best fits your investment? Speak to a loan officer to get tailored guidance on the best options for your property.
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5550 Glades Rd Ste #200,
Boca Raton, FL 33431