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

  • 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.

    Kelly Holmes Avatar Kelly Holmes
    September 6, 2021

    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.

    Eva Williams Avatar Eva Williams
    September 27, 2019

    Very professional, very easy to work with, good communication and nice people. This was my first venture with Capital Fund and I look forward to future business as we grow our company. Thank you.

    Brian Johnson Avatar Brian Johnson
    August 8, 2019
  • This is the best lender for investment properties. Excellent communication, no hidden fees, and most importantly, very fast turnaround! I was able to close my deals in less than 10 days with funding from Capital Fund 1.

    ANNAM726 Avatar ANNAM726
    March 4, 2019

    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 1 should every single real estate invostor's partner. I have done several fix and flip deals with Kevin at this awesome company and it's very friendly personnel. Couldn't be more satisfied. Their terms are way better than other competitors and their closing process is super prompt which is within one week to 10 days from start to closing. Just when I thought that their service is at it's best they have exceeded my expectations and actually came to my rescue at the last deal just a week ago. In January I was I'll advised with comps from a realtor about a property in Surprise and the realtor suggested a sale price that was way above the market. I didn't have any buyers for 2 plus months and I was hurting financially because another hard money lender was financing that property at very high rate. I leased the property and tried to put a conventional refinance loan but after over 400 pages of loan documents and unrealistic demands like showing funds for 12 months in advance and other grueling requirements the middle of June 2019 came and still didn't have confirmation to close. I grew frustrated and picked the phone talked to Kevin at Capital Fund 1 and told him the situation. He got with his underwriters and then within 5 minutes he gave me great long terms for a lease over 3 years which I immediately accepted. They were able to close the new loan in only four amazing short days. Thanks Kevin and Capital Fund 1 you have made me a partner for life and so should every investor. George Tohme

    George Tohme Avatar George Tohme
    June 28, 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!

    Radek J Avatar Radek J
    September 13, 2021

    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

    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.

    Chris Podkowa Avatar Chris Podkowa
    September 13, 2019