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.

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.

Centered Around You

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

  • It was a smooth first transaction of mine. Jakob was communitive and resourceful. I will definitely be using them again.

    thumb Eny Kraushar
    October 22, 2019

    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.

    thumb MiCar Info
    May 10, 2019

    Great service. Great rates. Fast and easy! I highly recommend them.

    thumb Juan Ramos
    August 27, 2021
  • Everyone involved with my transaction was spot on. They were informative, timely with responses and docs and friendly. All did a great job for me. Thank you.

    thumb Kelly Holmes
    September 6, 2021

    Kevin from capital fund 1 was easy to work with and guided so patiently through my first hard money loan. He was easy to reach and very knowledgable. Glad that I found these guys, without them this deal wouldn't have worked! They also were the best rates I could find after getting in touch with several other lenders in the phoenix area.

    thumb Nick Heffernan
    February 21, 2019

    Amazing, great work quick to close on asset based loans, always looking forward to working with Cap Fund 1!

    thumb Ron Breitenbach
    October 6, 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

    thumb Plan IT Virtual LLC
    June 14, 2019

    I did not know i was able to refi while i was in the middle of rehab. the fees were low, but i should have used my own title company, that was not a good idea having them chose for me. not happy with the communication on that end at all. I did have contact with my processor and that was important. thank you for your help. I would like to see how a purchase money loan will work for me on my next flip.

    thumb Eva Williams
    September 27, 2019

    It was a pleasure to work with the Capital Fund I, great rates, smooth transaction, everyone involved was super helpful. Thank you and I'm looking forward to do more business with you guys soon. Thanks!

    thumb Radek J
    September 13, 2021