Question 1

What credit score do I need?

Accepted Answer

For bridge / fix-and-flip loans, minimum FICO requirements vary by program but generally start at 660. For DSCR rental loans, the minimum is typically 660, with the best rates available at 720+. We can work with borrowers across the credit spectrum — the property and deal structure matter as much as your score. If your credit is below 660, reach out anyway. We may have options depending on your down payment and experience.

Question 2

Can I finance in an LLC?

Accepted Answer

Yes — and most of our borrowers do. Investment property loans through Fund Capital Now are business-purpose loans, so financing through your LLC, LP, or corporation is standard. You'll need Articles of Organization, Operating Agreement (signed), IRS EIN confirmation letter, and government-issued ID for all principals.

Question 3

How fast can you close?

Accepted Answer

Bridge / Fix-and-Flip: as fast as 10-14 days with a clean file. DSCR Rental Loans: typically 21-30 days. Term sheets are issued within 48 hours of receiving your deal info. The biggest factor in close speed is how quickly you provide documents.

Question 4

Do I need to show tax returns or W-2s?

Accepted Answer

No — for either product. DSCR loans qualify entirely based on your property's rental income relative to the loan payment. No personal income documentation, no employment verification, no tax returns. Bridge / fix-and-flip loans are also asset-based — underwritten on the property value and your renovation plan, not your personal income.

Question 5

What is a DSCR loan?

Accepted Answer

DSCR stands for Debt Service Coverage Ratio. It's a loan product that qualifies you based on your property's rental income rather than your personal income. The formula: DSCR = Monthly Gross Rent / Monthly PITIA (Principal + Interest + Taxes + Insurance + HOA). A DSCR of 1.0x means the rent exactly covers the payment. Most programs require a minimum of 0.80x-1.0x.

Question 6

What's the difference between a bridge loan and a DSCR loan?

Accepted Answer

Bridge loans are short-term (6-24 months), interest-only financing for buying and renovating properties. DSCR loans are long-term (30-year fixed or ARM) financing for stabilized rental properties. Many investors use both: a bridge loan to buy and rehab, then refinance into a DSCR loan once the property is rented — the BRRRR strategy.

Question 7

Do you lend in my state?

Accepted Answer

We provide financing in 39 states. Specific program availability may vary by state for certain loan types. Submit your deal and we'll confirm coverage within 24 hours.

Question 8

Can I do a cash-out refinance?

Accepted Answer

Yes. Our DSCR program offers cash-out refinances up to 75% LTV. There is typically a seasoning requirement (90-180 days of ownership) before you can access cash-out proceeds. Cash-out refinances are a powerful tool for pulling equity from stabilized rentals to fund your next acquisition.

Question 9

What types of properties do you finance?

Accepted Answer

We finance non-owner occupied investment properties including: single-family residences (SFR), 2-4 unit small multifamily, 5-10 unit multifamily, townhomes and PUDs, condos, ground-up new construction (experienced investors), and mixed-use properties. We do NOT finance owner-occupied primary residences, raw land, commercial properties, or hotels.

Question 10

How much do I need for a down payment?

Accepted Answer

For bridge / fix-and-flip loans: Tier 1 (0-1 projects) requires ~20-35% of total project cost; Tier 2 (2-3 projects) ~15-20%; Tier 3 (4+ projects) as little as 10%. For DSCR rental loans: purchase requires minimum 20% down (80% max LTV); cash-out refinance requires 25% equity (75% max LTV). More experience and stronger credit scores unlock higher leverage.

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