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

  • Just Amazing from beginning to end! We are in the business of doing fix & flips and Capital Fund 1 is our go to lender. It's always an easy and smooth transaction no hidden fees or prepayment penalties. We are always pleased with the speed of service. We will continue to do business with Capital Fund 1 for all our deals. Keep up the GREAT Work!

    thumb Alma Fraijo
    April 22, 2019

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

    thumb Juan Ramos
    August 27, 2021

    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

    thumb James Erwin
    August 12, 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.

    thumb Phil Harmonic
    May 27, 2021

    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

    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.

    thumb Hector Jimenez
    January 5, 2017
  • 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

    thumb Julian Lopez
    February 11, 2019

    These guys are great for you real estate funding. They are quick and able to fund you in as little as 24-48 hours. I highly recommend them as that I have already used them. I had to close in one week and they were a tremendous help. They were able to get me funded so that I could close on my house without loss. These guys are great.

    thumb Chris Podkowa
    September 13, 2019

    5 STAR COMPNAY. THEY ARE A GREAT LENDER TO WORK WITH. FAST, EASY AND SAME DAY APPROVAL IN MOST CASES. MY BUSINESS RUNS SO MUCH SMOOTHER & BETTER EVER SINE WE ARE USING CAPITAL FUND 1 THAN EVER BEFORE.

    thumb David Kaheh
    May 27, 2021