Rental DSCR Loan Program

What is a Rental Investment (DSCR) Loan?

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.”DSCR” means Debt-Service Coverage Ratio, referring to the ratio of cash available to cover the loan service. It compares the operating income that the rental property generates against the rental loan itself.

A Rental Investment loan is a great fit in the following situations:

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

At Capital Funding, our rental real estate investment loans close quickly…even in as little as 10-14 days at rates starting at 6.50%!

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

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)

MAXIMIZE YOUR CAPITAL WITH A DSCR LOAN

Our Rental Investment loans require no personal income verification and very little documentation. Whereas traditional loans can take weeks to assess loan requirements, our loan officers help your real estate investment move as quickly as market trends do. With favorable terms, competitive rates, and no scrutiny of personal finances or tax returns, Capital Funding offers twice the accessibility to first-time investors than conventional loans do. Reach your investment goals — Apply for a rental property loan today, and start generating rental income!

Eligible Properties for
Rental Investment Loans

The following property types and real estate asset classes can be eligible for a rental investment loan.

Single Family

Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., townhomes, duplex’s, triplex’s, and quadplex’s. At Capital Funding, we will lend to real estate investors and entities looking to purchase, refinance, fix & flip, or buy to rent with loan amounts from $75,000+.

Multi Family

Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Required Documents

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

Personal Documents

Loan Application 
Track Record
Most Recent Bank Statement
Drivers License and/or Passport

Property Documents

Purchase Contract
Payoff Statement (if Refinance)
Rent Roll & Leases
Taxes Statement & Evidence of Insurance

Business Documents

Articles of Incorporation
Operating Agreement (LLC) or Bylaws (Corp.)
EIN Letter

APPLY NOW

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

How does it work?

Why Choose Capital Funding's DSCR Rental Loan Program?

  • We used Capital Funding Financial for our rental investment portfolio. The process was easy and the loan closed quickly at a rate of 4.25% on a 30YR fixed. Thank you again.

    Anna Brady
  • The top hard money lender in Florida. I have used them on multiple occasions and they have been excellent to deal with. I have closed ahead of schedule on each transaction. Great communication, transparent pricing, and great service. I highly recommend using them for any rental loans, fix & flip loans, hard money loans, or commercial bridge loans.

    Joe Garcia
  • I worked with Debbie at Capital Funding Financial in the past and she was amazing! I highly recommend using them… I have tried 3 other lenders in the space and they are by far my top choice for rental, fix and flip, and hard money loans!

    Alexis Howell

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