Loan Programs

Capital Solutions for Every Strategy

Whether you're flipping your first property or scaling a 50-unit portfolio, Funded Capital has the right loan — with the speed and terms serious investors demand.

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Fix & Flip

Fast capital for value-add acquisitions

Our Fix & Flip loans are purpose-built for investors who buy, renovate, and sell. We fund the purchase and the rehab — so you can move fast and maximize your spread.

Up to 90% of purchase price (LTC)
Up to 100% of rehab costs
Rates from 8.75% interest-only
Terms: 12 or 24 months
No income verification required
Credit score: 680+ preferred
Close in as little as 5 business days

Apply for Fix & Flip

Loan Size	Max LTC	Rate	Points	Term
$75K–$500K	90% LTC	From 8.75%	1.5–2.5	12–24 mo
$500K–$2M	90% LTC	From 9.25%	1.0–2.0	12–24 mo
$2M+	90% LTC	Negotiated	Negotiated	12–24 mo

* Rates and terms are indicative and subject to change. Final terms depend on deal specifics and borrower profile.

DSCR / Rental Loans

Long-term financing based on the property's cash flow

DSCR (Debt Service Coverage Ratio) loans qualify on the rental income of the property — not your personal income. Perfect for scaling a rental portfolio without W-2 restrictions.

Up to 80% LTV (purchase and refi)
Rates from 6.0%
30-year fixed or 30-year partial interest only
DSCR minimum: 1.0x
No personal income verification
SFR, 2–4 units, condos
Unlimited property count
Cash-out available

Apply for DSCR Loan

Property Type	Max LTV	Rate	DSCR Min	Term
SFR / Condo	80% LTV	From 6.0%	1.0x	30-yr fixed
SFR / Condo	80% LTV	From 6.5%	1.0x	30-yr partial I/O
2–4 Units	80% LTV	From 6.25%	1.05x	30-yr fixed
2–4 Units	80% LTV	From 6.75%	1.05x	30-yr partial I/O

* Rates and terms are indicative and subject to change. Final terms depend on deal specifics and borrower profile.

New Construction

Ground-up construction financing with draw schedules

Fund your ground-up development projects with a construction loan structured around your build schedule. We release draws as milestones are hit, minimizing carrying costs.

Up to 85% of total project cost (LTC)
Rates from 8.75% to 10.25% interest-only
Terms: 12 or 24 months
Draw schedule aligned to milestones
SFR, townhomes, small multifamily
Credit score: 680+ preferred
Experienced builders preferred

Apply for Construction Loan

Project Size	Max LTC	Rate	Draws	Term
Up to $1M	85% LTC	From 8.75%	Monthly	12 mo
$1M–$5M	85% LTC	From 9.50%	Milestone	12–24 mo
$5M+	85% LTC	From 10.25%	Negotiated	Up to 24 mo

* Rates and terms are indicative and subject to change. Final terms depend on deal specifics and borrower profile.

Multifamily

Bridge and term loans for 5+ unit residential assets

Scale your multifamily portfolio with flexible bridge or term loans. We lend on stabilized and value-add multifamily assets — from small apartment buildings to larger complexes.

Up to 75% LTV (stabilized)
Up to 80% LTC (value-add)
Rates from 8.0%
Terms: 1–10 years
5+ residential units
Recourse and non-recourse options
Interest-only available
Credit score: 680+ preferred

Apply for Multifamily Loan

Asset Type	Max LTV	Rate	Points	Term
Stabilized (5–20 units)	75% LTV	From 8.0%	1.0–1.5	1–10 yrs
Value-Add (5–20 units)	80% LTC	From 8.75%	1.5–2.0	1–10 yrs
20+ Units	70% LTV	Negotiated	Negotiated	Negotiated

* Rates and terms are indicative and subject to change. Final terms depend on deal specifics and borrower profile.

Not sure which program fits?

Talk to a loan officer — we'll help you structure the right deal.

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