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
Frequently Asked Questions
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
