Let’s Fund Your Rental Investment!
DSCR
Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.
Up to
6.325%
Rates from*
Up to
80%
LTV
As fast as
10-22
Day close
Flexible
30, 40yr
I/O option
DSCR
Why Choose Our DSCR Loans?
DSCR Calculator
Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).
Estimate only, for illustration purposes. DSCR requirements, rates, and eligibility are subject to underwriting and program guidelines. Not a commitment to lend.
Apply Now!
Are you purchasing, refinancing, or cashing out?*
Tell us what type of financing strategy you are looking for
Investment property, or home you plan on living in?*
What is the property address?*
Depending on location we may have specific programs
Street Address
City
State
What's the purchase price or refinance amount?
Our minimum loan amount is $75,000 up to $20,000,000
How is your credit?*
We do not lend on credit scores below 660
Legal first and last name of the primary borrower?*
Your identity will be protected. No spam
First Name
Last Name
What is your email address?*
Your email address will be protected. No Spam
Mobile phone number?*
Your phone number will be protected. No Spam
Application Received
Thank you. One of our lending experts will reach out shortly to discuss your scenario and next steps.
949-738-9770Notice:By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@lowerrefinancerate.com to be placed on our do-not-call list.
By clicking Submit:I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding, Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.
Simple Qualifications for DSCR Lending
Are We a Good Fit?
Our DSCR loans are designed to be flexible and accessible for investors focused on building long-term wealth. To qualify, you’ll need:
Experience
1+ Completed Properties
Credit Score
Minimum of 620.
Liquidity/Reserves
20% down payment and 1–3 months of reserves.
Property Type
SFR, Condo, Townhome, 2–4 Units
Additional Requirements
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
DSCR Loan Highlights
Transparent and Investor-Focused Loan Terms
Expert Support for DSCR Lending
Partner with a team that understands real estate investing — whether you're financing your first property or scaling your portfolio.
Enjoy a simplified loan process with clear criteria and fast approvals — no unnecessary hoops.
Close in as little as 10 to 22 days, enabling you to capitalize on time-sensitive opportunities.
Tailored for real estate investors with flexible terms, competitive rates, and options like interest-only or long-term loans.
Where We Lend
States We Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Meet The Leader
Fast. Flexible. Funded.
With direct access to a network of over 100 lenders, I deliver fast, flexible, and creative financing solutions tailored to meet complex real estate needs. As a mortgage broker specializing in Bridge Loans, DSCR (Debt Service Coverage Ratio) loans, and Hard Money financing, I work with investors, developers, and business owners to secure funding when timing and structure are critical.
Whether you’re flipping a property, building a portfolio, or need short-term capital fast, I bring the market expertise, lender relationships, and deal-making agility to get it done — even when banks say no.
Fast closings. Minimal red tape. Maximum results.
