Loan Servicing FAQs

Capital Fund 1 provides hard money loans for a wide range of investment real estate transactions. Our private money lending solutions are designed to help investors move quickly on opportunities across both residential and commercial properties.

We commonly fund transactions, including:

• Wholesale real estate deals

• Off-market investment property acquisitions

• MLS property purchases

• Trustee sales and foreclosure purchases

• REO and short sale transactions

• Cash-out refinance loans for investment properties

• Residential investment properties (single-family homes, condos, townhomes, and 2–4 unit properties)

• Ground-up construction and development projects

• Commercial real estate investments

• Lot and land purchases

• Capital Fund 1 provides hard money loans and private money lending for real estate investors across several key markets in the United States. Our primary hard money lending markets include:

  • Arizona

  • Colorado

  • Texas

  • Tennessee

  • Georgia

  • North Carolina

  Within these states, we work with investors in many major metro areas and surrounding markets.

  Capital Fund 1 also offers select loan products in additional markets, depending on the deal and property type. For the most up-to-date lending coverage, we encourage investors to contact our team.

  For DSCR rental loans, Capital Fund 1 offers financing in many markets nationwide, providing near-nationwide coverage for qualifying rental property investors.

Capital fund I is able to fund up to $30,000,000 to a borrower at one time.

Capital Fund 1 uses an asset-driven lending approach, meaning we focus primarily on the strength of the property and the investment opportunity when evaluating a loan. While credit may be reviewed as part of a borrower’s overall profile, it is not the sole determining factor in our lending decisions.

Because our loans are designed for real estate investors and investment properties, factors such as the property value, purchase price, rehab budget, and the overall strength of the deal often play a larger role in the underwriting process.

For the most up-to-date lending guidelines and borrower requirements, we encourage investors to reach out to our team directly.

Loan fees will vary depending on the loan program and the specifics of the transaction. Most Capital Fund 1 hard money loans include fees such as points and a one-time document preparation fee at closing.

In many cases, our hard money loans do not include a prepayment penalty, giving real estate investors flexibility if they refinance or sell a property sooner than expected. We strive to keep our loan fees competitive within the private money lending industry.

For the most up-to-date loan pricing and lending guidelines, we encourage investors to reach out to our team to review their specific deal.

A “Point” is an “upfront fee” on a private money loan that is incurred at the time of the loan. Each point is equal to 1% of the private money loan amount.

Generally, there will be a down payment required in most loan cases. Speak with a CF1 specialist to review your specific situation.

Capital Fund 1 determines leverage based on several factors, including the property value, local comparable sales, the strength of the deal, and the borrower’s real estate investment experience. As part of the review process, we may perform a soft credit pull, which does not impact your credit score.

Loan-to-Value (LTV), Loan-to-Cost (LTC), and Loan-to-Purchase-Price (LTPP) limits can vary depending on the loan program and the specifics of the transaction.

Typical leverage ranges include:

• Fix & Flip Loans: up to 92.5% LTC, including up to 90% of the purchase price and 100% of the rehab budget

• Ground-Up Construction: up to 90% LTC

• Land Loans: up to 65% LTV

• Buy & Hold / Rental Loans: leverage varies depending on the property and loan structure

• Commercial Bridge Loans: leverage varies depending on the asset and deal profile

Actual leverage will depend on the investment opportunity, borrower experience, and underwriting review. For the most up-to-date lending guidelines and program details, we encourage investors to reach out to a Capital Fund 1 specialist to discuss their deal.

Yes. We welcome new construction loans. We have provided alternative funding for Single Family Residential (SFR) and commercial new construction as well.

No, we can only lend on non-owner-occupied residences. However, tenants in the building are allowed per our loan terms.

Yes, we will lend private money on land.

Yes, we can loan hard money on rehab costs, as long as the property is not owner-occupied.

We do not impose prepayment penalties on most of our hard money loans.

Because we can underwrite all our loans in-house, we can fund your hard money loan in as little as 24 hours.

Yes. We require hazard and title insurance on each property that we lend on.

You can apply for a loan by visiting our loan application or you can call us directly at (480) 889-6100

If a payoff is requested for a date after the 10th of the month and payment has not been made, a late fee will be included. However, if a payment is made before the 10th, an updated payoff may be requested and will no longer show that late fee.

That is our “Broker” fee which is just the cost to release the lien on the property and record that release with county.

Payoffs are typically sent within five business days; however, please refer to the payoffs email for an accurate timeline.

All interest is paid in arrears. (Ex. June payment is for the interest of May)

Please email our servicing team at servicing@capitalfund1.com to request a Satisfactory debt letter.

Lien releases are typically recorded with the county 30 business days after the loan has paid off in full.

1. Go to: Mortgage Servicing, Loan Servicing Software | Contact Information (borrowersviewcentral.com)
2. On the login screen, select “Forgot Password.”
3. Enter your Loan Number (56779) and click “Send Reset Link.”
4. Check your email for a message from Applied Business Software (ABS Support).
5. Use the link in the email to create your PIN.
6. If prompted for a Company ID, enter CF1.

The borrower can add an authorized user by contacting our Servicing Team from the primary email address or phone number on file.

Authorization can be provided in one of the following ways:

• Call our Servicing Team and provide authorization over the phone, or
• Send an email to servicing@capitalfund1.com including the following information for the authorized individual:
  • Full name
  • Email address
  • Phone number
  • Type of authorization requested

Signed loan documents can be sent upon request.

The Maturity Date is when a loan comes to term. Loans will come to term on the 1st of the month, but we provide a grace period through to the end of that maturity date’s month to be able to extend, refi, or payoff the loan without penalty. (For example, if a loan’s maturity date is April 1st, the grace period to payoff, refi or extend is April 30th before it can be penalized)

We send this as a courtesy to remind our borrowers that their loan is about to come to term.

This is a final notice to remind our borrowers that their loan is coming to term as default starts accruing the 1st of the next month.

Typically, if you do not believe that you will be able to refinance or pay off the loan in time, you should submit an extension request to the collections and maturity management department. Utilize the 30 and 10-day maturity notices to help you determine if you should seek an extension. Contact us at: collections.maturity@capitalfund1.com

Our system will NOT accept payments when a loan goes past maturity (term). Please get in touch with your account manager in this situation to discuss options to bring your loan up to date.

This is an automated email that our system sends, and does not recognize when a loan is pending extension. If you are working with someone on an extension, you do not have to let your account manager know.

As Capital Fund I, LLC is not a traditional mortgage lender, we do not distribute 1098’s. However, a statement of account may be requested from your account manager, and that can assist you with obtaining the tax information you are looking for. Upon request, please give your account manager a day to send over the statement of account.

Capital Fund 1 tiene la capacidad de financiar hasta $30,000,000 por cliente a la vez.

• AZ: La mayoría de nuestros prestatarios vienen del área metropolitana de Phoenix y otras ciudades dentro de Arizona como Flagstaff, Tucson, Payson, Prescott, y Lake Havasu City.
• CO: Estamos haciendo préstamos en Colorado enfocándonos en el área de la ciudad de Denver.
• TX: Hacemos prestamos en Texas

En Capital Fund 1, prestamos dinero duro para inversiones de propiedades inmobiliarias incluyendo:

• Ofertas de Wholesale
• Transacciones fuera del mercado
• Adquisiciones fuera del MLS
• Ventas Fiduciarias (Trustee Sales)
• REO’s
• Ventas cortas
• Refinanciamiento con efectivo
• Residenciales (Residencias familiares, Condominios, Townhomes, Duplex- Fourplex)
• Construcción y Desarrollo
• Comercial
• Terrenos y Lotes

Tenemos plazos de 6 a 24 meses. Y ofrecemos extensiones de 6 meses.

Capital Fund 1 financia por recursos privados y nos basamos sobre el valor de las propiedades. ¡No checamos su crédito! No usaremos su puntaje de crédito para calificar a nuestros préstamos.

Para un préstamo para proyecto de arreglar y vender (Fix & Flip), usted pagara un costo de trámite de $999 por un plazo de 6 meses. Otros programas de préstamos varían por cada tramite.

Un “Punto” es un cobro por tramite equivalente a un porciento (1%) del total del préstamo que es cobrado al recibir su préstamo.

Capital Fund 1 se basa en el valor de la propiedad para su préstamo. La calculación del préstamo por valor (Loan to Value) es entre propiedades inmuebles comparables en el área de locación. Para propiedades residenciales, prestamos hasta es 85% de Valor Actual y hasta el 90% del precio de compra. El préstamo por el precio de compra en la mayoría de las veces es por lo siguiente:

• Para Arreglar y Voltear (Fix & Flip) – prestamos hasta el 90% del precio de compra
• Compras para alquilar – prestamos hasta el 75% del precio de compra
• Préstamo Temporal Comercial (Bridge Loan) -prestamos hasta el 80% del precio de compra
• Proyectos de Construcción y Terrenos – hasta el 65% del precio de compra

Nota: estos porcentajes están sujetos a cambios en cualquier momento. Hable con uno de nuestros especialistas para información más actualizada.

Generalmente, va a ver un pago inicial en casi todos los programas de préstamos que ofrecemos. Hable con uno de nuestros prestamistas para revisar su situación.

Si. Nuevos proyectos de construcción son bienvenidos. Hemos ayudado con alternativas para financiar residencias familiares y nuevos proyectos comerciales de construcción.

No, solo podemos prestar a residencias de inversión y no a hogares propios. Sin embargo, las propiedades pueden ser alquiladas con inquilinos.

Si, tenemos préstamos para terrenos y lotes.

Si, podemos prestar en costos de rehabilitación solo mientras la propiedad no este habitada por el prestatario.

En la mayoría de nuestros prestamos no cobramos por pagos en adelantados.

Nosotros evaluamos su préstamo y el resto del proceso internamente por lo que podemos cerrar y depositar fondos dentro de 24 horas.

Usted puede aplicar para un préstamo en esta página o llámenos al (480) 889-6100