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

  • 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 Avatar clif mason
    June 27, 2021

    I've worked with Capital Fund 1 over 6 years their hard money loan process is simple and interest return rates are sensible. They can fund a loan in 2 or 3 days as long as you provided the required info upfront. If your an investor who flips I'm not sure you can do better. That said, the caveat is you need to know what your doing.

    MiCar Info Avatar MiCar Info
    May 10, 2019

    Great 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 Avatar Plan IT Virtual LLC
    June 14, 2019
  • Love working with CF1. Great communication, efficient and prompt responses. Have worked with CF1 on several fix-n-flips as well as stating to work with them on buy-n-holds this year and have never had any issues with them (have always closed on time :). Will continue looking for opportunities to work together. Kudos on the excellent service team! I appreciate you guys. - Julian LUXTIGE HOMES

    Julian Lopez Avatar Julian Lopez
    February 11, 2019

    Capital Fund 1 is the best hard money lender I have ever had the pleasure of working with. They are efficient, timely and through. When I need anything they are right there to help. Being on the Escrow /Title side of things there are some times when I need many things to get the deal closed and they get me whatever I need right away which makes it possible for me to close the files quickly and correctly. Customer service is huge for them and it shows in everything they do. I recommend them all the time to investors that are looking for a great unconventional lender. I hope to work with them for many years to come.

    Valinda Evans Avatar Valinda Evans
    January 30, 2019

    Kolby 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 Avatar Rosio moreno
    September 13, 2021
  • I have been with Cap Fund 1 on several occasions and projects since 2016. Most recently, Kevin was right spot on with contacting me as one loan was paid off to see if I had another project to fund. I submitted a refinance and was approved in a very short time line. We closed and recorded without any glitches. Kevin and all the others involved were very helpful and really saved me in an extremely tight situation. I WILL be back as opportunities present and in the meantime I refer Capital Fund1 quite frequently.

    Nancy Bewley Avatar Nancy Bewley
    January 20, 2019

    Capital Fund I has shown that they truly take care of their borrowers by providing upstanding diligence and professionalism when handling each aspect of the loan process. They openly communicate and are a pleasure to work with.

    Hector Jimenez Avatar Hector Jimenez
    January 5, 2017

    The 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 Avatar Kurtis Barton
    February 14, 2019