New Loan Product
More Options. More Freedom.
Introducing Our Long Term Rental Program
We’re empowering real estate investors with more options to maneuver their real estate business. With CF1’s long term rental program, you have the flexibility to turn your short-term flip into a long-term asset.
Ready to apply? Click here
Long Term Rental Explained
How Does this program work?
This program acts like a DSCR (Debt Service Coverage Ratio) loan. So what is a DSCR loan? DSCR Definition:
A debt service coverage ratio loan or DSCR is a long-term real estate investment loan. This is different from other real estate investment loans, in that the primary way of qualifying is how much income the property generates on a monthly basis. Typically, the income generated from the property must be at least equal to or even greater than the expected monthly payment. For example, if a single-family home in Tempe, AZ is generating a rent of $2,500 a month, you could qualify for a loan that has a monthly payment of $2,500.
Important Things to Note
Each lender will differ slightly in their specific qualifications for a DSCR loan.
A common example is some lenders will require a specific DSCR ratio on their loans.
- What is a DSCR ratio?
- A DSCR ratio is the income generated by the property divided by the expected monthly payment of the loan. Using our Tempe, AZ example. A DSCR ration requirement of 1.0 means the property has to generate at least the monthly payment, or $2,500. If the lender has a requirement of a DSCR ratio of 1.2X, then we would multiply 1.2 by the expected loan payment. In this scenario, our Tempe property would have to generate $3,000 in income to qualify for a $2,500 monthly loan payment.
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Why Should I Trust Capital Fund 1?
15,000 Deals Analyzed
Since opening our doors in 2009, our asset management team has analyzed over 15,000 deals across 3 states.
$2 Billion Funded
This past summer, we celebrated funding $2B in loans. With an avg. loan amount of $350k, this represents thousands of projects.
5,000 Individual Borrowers
Our success is only because thousands of people have trusted us to facilitate the success of their real estate business.
Proprietary Software
Our leadership team has invested a vast amount of resources in our Investor Toolbox. A no-cost tool available to all real estate investors
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This was my first time working with a hard money lender and Kevin Highmark was extremely helpful in explaining the process of getting funded. He also helped me determine the price level for properties I could buy based on my finances. The process of getting funded was super easy and I even qualified for a smaller percentage down payment than I was originally quoted! Will definitely use Capital Fund 1 again
James Erwin
August 12, 2019The team here is simply amazing. They are caring, kind and knowledgeable. They don't play games and that is an important attribute when you're dealing with important stuff. Trust in them. 5 STARS, all day.
Kurtis Barton
February 14, 2019The team over at Capital Fund 1 were all on the same page and communicating great with myself and title. They were quick to let me know the loan amount they could do. And only needed the essential documentation that matters. I'll definitely be looking fwd to using them again on refinances and trying out on the acquisition side.
Henry Downing
June 21, 2019 -
Working with Capital Fund was a great experience very nice people to work with professional in every aspect, The transaction was easy and quick I am looking forward to work with them on my next project
Al Trufin
August 28, 2019I had a great project idea and needed hard money to get started. I had the good fortune to be referred to Noah Brocius at Capital Fund 1 ! Was a newbie but had an opportunity to describe my project. I was asked to submit my a idea with a flood plan ( s/family to a duplex ) a cost study , a simple loan application , and financial needs such as price, down payment and rent expectations.And within 24 I was approved and closed in 3 days! During the 16 months of the loan life I was treated like a million dollar client ! The whole gang was available for Q&A and always professional! Hope to do it again soon ! Thanks guys. JAS
James Scavo
July 17, 2018I love working with capital fund one, we are able to get me what I need and extremely quickly. The staff are knowledgeable and helpful and follow through with what they say they will. I’m looking forward to many more loans through them in the coming years!
Keder Headman
August 27, 2021 -
Capital Fund 1 financing is so quick and easy. If you have a property under contract and your percentage of the funds needed, the rest is fundamental. Literally couldn't have been any easier. Best rate I've been able to find with hard money lenders too.
clif mason
June 27, 2021Great experience so far with Capital I Fund - a colleague recommended them. I was funded in just a few days - would definitely refer them to other real estate investors - Roger N
Plan IT Virtual LLC
June 14, 2019Kolby was fast to repond and help us with all of our needs, totally recommend them and will be working with them in the near future.
Rosio moreno
September 13, 2021