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.
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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.
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 I is my go to private money lender in AZ. They are reliable, friendly and very easy to work with. My loans are always funded on time and questions always answered in a timely manner. I highly recommend them for your funding.
August 24, 2016
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.
June 27, 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.
February 21, 2019
It was a smooth first transaction of mine. Jakob was communitive and resourceful. I will definitely be using them again.
October 22, 2019
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
August 12, 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
February 11, 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
August 28, 2019
Capital Fund 1 has always been great to work with. I've been working with them on deal for about a year and a half and it's always been a quick and easy process. Much better than many of their competitors - they don't require appraisals nor charge a bunch of exorbitant fees. I have worked with them in a broker capacity as well as have sent them deals of my own. Always easy to reach people on their team and always a pleasure to work with.
May 27, 2021