Cap Rate Funding

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Cap Rate Funding

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08/30/2026

🏆 AUGUST FUNDING RECAP | CAP RATE FUNDING

AUGUST WAS BIGGER THAN NUMBERS. IT WAS ABOUT PEOPLE, GROWTH & EX*****ON. 🚀

August was another strong month for Cap Rate Funding, and we’re proud of the families and clients we were able to help get across the finish line.

📊 AUGUST BY THE NUMBERS

💰 $4.32M FUNDED
🏡 12 FAMILIES HELPED
📁 12 DEALS FUNDED
💵 $118,928 IN GROSS REVENUE
⚡ $4.56M ACTIVE PIPELINE
🔥 $4.46M CURRENTLY IN PROCESSING

👋 WELCOME TO THE TEAM, JAMES CHO

August was also a milestone month for James Cho, who officially joined Cap Rate Funding.

And he didn’t waste any time.

🎯 First deal funded: $12,500 in revenue
🚀 First 2 weeks: $45,000 in submitted revenue

Your first deal is just the beginning.

We’re building a team where loan officers have the tools, support, products and leadership to actually produce and grow.

💙 MORE THAN LOANS

Every funded file represents a client who had a goal, a challenge or a problem that needed a solution.

12 families helped. 12 opportunities turned into closings.

And we’re just getting started.

August was strong. September is going to be even stronger. 🔥

CAP RATE FUNDING
More Solutions. More Speed. More Closings.

08/29/2026

🚨 $500,000 HELOC FUNDED IN JUST 10 DAYS 🚨

Speed matters. But speed + service + better terms is what really makes the difference.

Our team recently funded a $500,000 HELOC in just 10 days. The client had another broker offering a digital HELOC, but the rate was 1.3% higher.

We were able to:
✅ Fund $500K in 10 days
✅ Offer a rate 1.3% lower than the competing offer
✅ Keep the client updated throughout the entire process
✅ Provide hands-on customer service from start to finish
✅ Execute quickly without sacrificing the search for better terms

Not all brokers are the same. Some of us are just better.

At Cap Rate Funding, we focus on efficiency, communication, and finding the best possible terms for our clients.

⚡ 5-Day Non-Bank Digital HELOC Options Available

If you need speed AND competitive terms, let’s talk.

08/28/2026

🏡 FUNDING SUCCESS STORY | BANK STATEMENT LOAN

Just funded a Bank Statement Loan for a well-qualified client — but this wasn’t your typical file.

The challenge? The property was a log home, which is an automatic rejection for many lenders. Some lenders may accept log-style homes, but a true log home can be a completely different story.

On top of that, the property was rural and located on 10+ acres, adding another layer of complexity to the financing.

But at Cap Rate Funding, we don’t focus on why a deal is difficult — we focus on finding a way to get it done. 💪

With access to 100+ lenders, we can shop the file across multiple lending options to find the right fit.

✅ Bank Statement Loan
✅ Log Home
✅ Rural Property
✅ 10+ Acres
✅ Well-Qualified Borrower
✅ Complex Property — SOLUTION FOUND

If the income is there and the credit is there, there’s a good chance we have a solution.

Don’t let a challenging property stop your deal. Let us find the lender that says YES.

📩 [email protected]
🌐 CapRateFunding.net

08/26/2026

$420K Texas Cash-Out — From 60+ Days Late to Tier 1 Credit 🚀

This one took some work—but we got it done. 💪

Our client came to us looking for a Bank Statement Loan, but there was one major obstacle: they had mortgage lates exceeding 60 days.

Instead of giving up, we worked directly with the mortgage company to resolve the issue and have the inaccurate lates removed and updated with the credit bureaus.

Once the credit was repulled, the client’s score jumped nearly 100 points! 🔥

We also added the client’s wife to the mortgage history, and her credit score increased by approximately 100 points as well, thanks to the joint mortgage history.

The result?

✅ Tier 1 credit profile
✅ $420,000 cash-out
✅ Texas A6 loan
✅ Profit & Loss loan
✅ No income documentation
✅ Successfully funded

Another example of why you shouldn’t assume your situation means you can’t qualify.

Have a challenging mortgage file? Let’s find a way to structure it.

08/21/2026

FUNDING SUCCESS STORY 🏠💰

🔥 $1,000,000 HELOC FUNDED IN TEXAS

A $5.5 MILLION homestead property.
An $1 MILLION HELOC.
80% LTV.

And the client didn’t have traditional tax returns to use.

We structured the deal using a Bank Statement program and successfully funded the loan on a Texas homestead property.

✅ $1,000,000 HELOC
✅ $5,500,000 Property Value
✅ 80% LTV
✅ Bank Statement income
✅ No tax returns
✅ Texas Homestead
✅ $1M+ financing successfully structured

This is exactly why having access to multiple Non-QM programs matters.

When traditional underwriting doesn’t fit the borrower, we look for a structure that does.

📧 [email protected]
📱 949-738-9770
🌐 Capratefunding.net

All loans subject to credit approval and program guidelines. Texas home-equity transactions are subject to applicable state requirements, including the 80% combined LTV limit. (capratefunding.net)

08/18/2026

JUST FUNDED! 🔥 $930,000 CASH-OUT

This was NOT an easy file.

Our client had:

🔴 660 FICO
🔴 Prior mortgage late
🔴 7 liens on title
🔴 Multiple timeshare payment lates
🔴 Complex credit history

And we still got it funded.

$930,000 Bank Statement Loan
75% LTV Cash-Out

This is where Non-QM lending makes a difference. Instead of looking at the file and simply saying “NO,” we looked at the entire scenario, structured the transaction, and found a way to get it closed.

At Cap Rate Funding, difficult files are what we do.

DON’T COUNT YOUR DEAL OUT UNTIL WE LOOK AT IT.

Chase Zhao
President | Cap Rate Funding
📧 [email protected]
🌐 capratefunding.net

08/15/2026

🎉 WELCOME TO THE TEAM, JAMES CHO! 🎉

We’re excited to announce that James Cho has joined Cap Rate Funding as our newest Non-QM Loan Officer! 🏠💼

James brings a strong drive to help clients find financing solutions when traditional lending doesn’t fit.

At Cap Rate Funding, we specialize in Non-QM and creative mortgage solutions designed to help borrowers get deals done.

🚀 Welcome aboard, James! We’re excited to see what you accomplish.

📲 Need a Non-QM loan? Let James and the Cap Rate Funding team help.

🌐 James.CapRateFunding.net

08/13/2026

July recap: 12 loans funded, $2.3M in volume, $92K gross revenue.
Deals other lenders said no to — we got them closed:
✓ Multiple DSCR loans funded for clients turned down elsewhere
✓ Impounds waived on a non-ratio DSCR at a 620 FICO
✓ DSCR 2nd mortgage funded behind a VA first
✓ HELOCs qualified with combined household income — without putting the other party on the loan
And we’re not slowing down: 11 more loans ($4.97M) in processing right now, headed to the closing table.
Brokers and LOs — if you’ve got tough files dying on someone else’s desk, bring them here. DM “JOIN” to talk about joining Cap Rate Funding.

08/07/2026

🚨 Funding Success Story: Another Broker Couldn’t Get It Done. We Did.

Another HELOC headed to the closing table—this one was Clear to Close in just 2 business days.

The borrower had previously worked with another broker using the exact same lender. The difference wasn’t the loan product or underwriting guidelines—it was how the file was structured and presented.

Maryland doesn’t allow household income to be used for qualification in this scenario, so instead of giving up, we built a stronger case. We documented the borrower’s ownership with an operating agreement and backed it up with a bank letter addressed directly to the borrower. Once the full story was presented, the lender accepted the qualifying income and approved the file.

We also don’t sit around waiting for updates. Our dedicated virtual assistant team follows up with the lender at every stage, keeping documents moving through underwriting and eliminating unnecessary delays.

Results:
✅ Clear to Close in 2 business days
✅ 5-Day HELOC Program
✅ Same lender, different outcome through better ex*****on

Nothing beats hearing it directly from our clients:

“Overall this is a pretty smooth and impressive process.”

At Cap Rate Funding, experience isn’t just about knowing the guidelines—it’s about knowing how to present a file so it gets across the finish line.

Address

100 Spectrum Center Drive, Suite 936
Irvine, CA
92618

Telephone

+19495372370

Website

http://capratefunding.net/

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