Cap Rate Funding

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10/17/2026

🔥 31 FAMILIES HELPED. $5.96 MILLION FUNDED. AND WE’RE ONLY HALFWAY THROUGH OCTOBER. 🚀

They say mortgage rates are too high.

They say the market is slow.

They say the leads are weak.

We say: STOP MAKING EXCUSES AND START CLOSING. 💪

📊 CAP RATE FUNDING | OCTOBER 2026 MTD

🏡 31 Families Helped
💰 $5,955,624 in Funded Loan Volume
💵 $136,297 in Gross Revenue
📅 Just 12 Business Days Into October!

🏆 THE TEAM BEHIND THE NUMBERS:

🥇 James Cho — 14 Loans Funded | $2,293,432

🔥 Chase Zhao — 8 Loans Funded | $1,998,830

💪 Matthew Ha — 9 Loans Funded | $1,663,362

🚀 Brandon Williams — Our newest addition to the team! Just getting started, and we’re excited to see what he brings to the table.

BUT HERE’S WHAT I’M MOST PROUD OF…

These guys show up at 7:00 AM, ready to work.

Not because someone is standing over their shoulders. Not because the market is easy. But because they understand that success requires discipline, consistency, and sacrifice.

We have good days. We have tough days. We lose deals. We run into difficult files.

But we keep showing up.

Hard work builds character. Discipline builds champions. And consistency builds closers.

I push this team hard because I believe in every single one of them.

And I want to publicly say how much I appreciate the work, dedication, and commitment they bring to Cap Rate Funding every day.

These numbers are impressive, but the people behind them are what make this company special.

HIGH RATES DON’T MATTER.
THE LEADS ARE NOT WEAK.
YOU ARE WEAK. 😂🔥

No excuses. Just ex*****on.

Proud of this team. Now let’s finish October even stronger. 💯

CAP RATE FUNDING
More Than Numbers. More Than Loans.

🌐 CapRateFunding.net

10/14/2026

💈 YOU CAN GET A LOAN WITHOUT THE BEST MORTGAGE BROKER…

You can also cut your own hair without a great barber.

I recommend NEITHER. 🤣💀

Look, anyone can submit a loan application.

But getting a loan APPROVED, navigating complicated guidelines, finding the right lender, and actually getting it FUNDED?

That’s where Chase Zhao comes in. 😎

Some mortgage brokers see a difficult loan and say, “Sorry, we can’t help.”

Chase sees the same loan and says, “Hold my coffee. Let me make a few calls.” ☕😂

🏆 Why Chase Zhao is built different:

🔥 Access to 100+ wholesale lenders

🔥 Specializes in loans traditional banks struggle with

🔥 DSCR, P&L-only, bank statement loans, HELOCs & Non-QM financing

🔥 Creative solutions for complicated scenarios

🔥 Speed, ex*****on, and a relentless focus on getting deals across the finish line

At Cap Rate Funding, we don’t believe every difficult loan is a dead deal. Sometimes you just haven’t found the right mortgage broker.

And let’s be clear…

A bad haircut grows back.

A bad mortgage decision can cost you thousands. 💸

Choose your barber wisely.

Choose your mortgage broker even more wisely.

And if you’re looking for Chase Zhao?

Well… you just found him. 😏🏆

📍 Cap Rate Funding | Irvine, CA

🌐 www.capratefunding.net

More Than Numbers. More Than Loans.

10/11/2026

🚨 NEW TEAM MEMBER ALERT | WELCOME BRANDON WILLIAMS! 🚨

Cap Rate Funding is growing again! 📈🔥

Please join us in welcoming Brandon Williams to the Cap Rate family!

Brandon officially joins us this Monday, October 12th, and we’re excited to have him on board.

We’re continuing to build a team of driven mortgage professionals who understand that getting deals funded takes more than just quoting rates. It takes creativity, ex*****on, and knowing how to find solutions when others can’t.

At Cap Rate Funding, we specialize in thinking outside the box, especially when it comes to Non-QM, HELOCs, DSCR, and complex financing scenarios.

And Brandon... one last thing.

WELCOME TO THE ASIAN FAMILY! 😂🤣

Don’t worry, we’ll teach you how to use chopsticks. Just make sure you know how to close loans! 🥢💰

Different backgrounds. Same hustle. Same mission.

MORE THAN NUMBERS. MORE THAN LOANS.

📩 [email protected]
🌐 brandon.capratefunding.net
🏢 capratefunding.net

09/30/2026

Got it — 83 submissions is the correct September number, not 73. I’d update the Instagram recap to:

SEPTEMBER 2026 | CAP RATE FUNDING 🚀

September was a monster month for Cap Rate Funding.

🏡 45 DEALS FUNDED
💰 $8.65 MILLION FUNDED
📈 $200K+ REVENUE GENERATED
🔑 39 SECOND MORTGAGES CLOSED

And we didn’t stop at what funded.

THE NEXT WAVE IS ALREADY IN MOTION:

📂 83 FILES SUBMITTED TO LENDERS
💵 $18.01 MILLION IN SUBMITTED LOAN VOLUME
🔥 $444K IN POTENTIAL GROSS REVENUE

Behind those numbers are real clients with real situations.

Clients looking to access equity without touching their existing first mortgage. Borrowers needing to consolidate debt. Self-employed clients with complicated income. Properties and scenarios that don’t fit neatly inside the traditional lending box.

And clients who came to us after another lender couldn’t get the deal across the finish line.

That’s what Cap Rate Funding is built for.

September wasn’t just about what we closed.

It’s about what we’re building.

45 funded transactions this month, with another 83 files submitted to lenders representing more than $18 million in financing requests.

More options. More solutions. More ex*****on.

Thank you to every client who trusted us and everyone behind the scenes making these deals happen.

45 FUNDED | $8.65M
83 SUBMITTED | $18.01M

October—we’re coming. 🔥

CAP RATE FUNDING
More Than Numbers. More Than Loans.

09/28/2026

🏡 JUST FUNDED | HELOC BRIDGE LOAN

Sometimes the lowest rate doesn’t matter if the loan never closes.

Our client had been working with their credit union for over a month because they were offering a better rate.

Unfortunately, during that process, the client lost their job—and the credit union could no longer fund the loan.

That’s when Cap Rate Funding stepped in.

The client already had a new job lined up and is currently negotiating a higher compensation package, with a scheduled start date in December. The challenge was getting them through the transition period.

We were able to structure a HELOC as a bridge, using qualifying average historical income rather than simply treating their current income as $0.

✅ HELOC successfully funded
✅ Provided liquidity during the employment transition
✅ New job already lined up
✅ Structured around the client’s unique situation
✅ Got the client to the finish line

This is why ex*****on matters.

A great rate on a loan that never funds doesn’t solve the problem. Sometimes the right financing is the financing that actually works when you need it.

At Cap Rate Funding, we specialize in finding solutions when traditional lending guidelines don’t fit the entire story.

📧 [email protected]
🌐 CapRateFunding.net

09/20/2026

🔥 FIRST 30 DAYS AT CAP RATE. 6 DAYS A WEEK. SUNDAY IS FOR GOD. 🙏

James Cho came to Cap Rate Funding from Mortgage X with experience, hunger, and something to prove.

Give a motivated loan officer the right leadership, lender access, support, and environment — and watch what happens.

In his first 30 days at Cap Rate Funding:

📂 29 Loans Submitted
🏦 $5,554,579 in Loan Volume
✅ 12 Loans Funded
💰 $44,961.26 in Funded Revenue
⏳ 13 Files Still Active
🎯 86% Pull-Through

And James did it working 6 days a week — because Sunday is for God.

The work ethic was already there. Our job was to give him the platform and support to maximize it.

Now we’ve added Matthew Ha to Cap Rate Funding, and he’s coming in with that same hunger. He’s pushing just as hard and ready to build something special alongside the team.

We’re not looking to build the biggest team.

We’re building a team of producers.

Different backgrounds. Same mentality.
Work hard. Serve clients. Produce results.

And we’re just getting started. 📈

James Cho | Cap Rate Funding
[email protected]
James.capratefunding.net

09/16/2026

🏡 JUST FUNDED | P&L / STATED INCOME LOAN

Another broker offered our client a hard money loan because it was the easiest way to get the deal done.

But we don’t look for the easiest path.

We look for the financing structure that makes the most sense for our client.

The hard money option they were offered:

❌ 12% interest rate
❌ 5 points origination
❌ 1–2 year loan term
❌ A deadline to refinance, sell, or pay off the loan

Instead, we structured:

✅ 8.5% rate
✅ Only 1 point
✅ 30-year loan term
✅ NO prepayment penalty
✅ No hard-money exit deadline
✅ We paid for the appraisal upfront

One of the keys to making the deal work was that the client’s daughter had strong credit and was already on title. We were able to structure the financing under her name using a P&L / stated-income program.

But the biggest win wasn’t just the lower rate or lower fees.

It was giving the client flexibility while minimizing their upfront risk.

We were confident in the structure, so we covered the appraisal cost upfront rather than asking the client to spend money on an appraisal while wondering whether the loan could actually make it to the closing table.

Instead of expensive short-term hard money with a 1–2 year deadline, the client now has a 30-year loan with no prepayment penalty.

They can refinance, sell, or pay the loan off when it makes sense for them — not when a hard-money maturity date tells them to.

And the best part?

The client was so happy with the experience that they already shared our contact information with 3 of their friends.

That referral means more to us than simply closing another loan.

At Cap Rate Funding, we have access to multiple lending options so we can focus on finding the right structure for the client — not simply the easiest loan for us to close.

More Than Numbers. More Than Loans.

Address

100 Spectrum Center Drive, Suite 936
Irvine, CA
92618

Telephone

+19495372370

Website

http://capratefunding.net/

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