Cap Rate Funding

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Irvine, CA
Cap Rate Funding

Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Cap Rate Funding, Mortgage brokers, 100 Spectrum Center Drive, Suite 936, Irvine, CA.

05/30/2026

🚨 DSCR CASH-OUT LOAN JUST FUNDED 🚨
Most investors don’t realize this:
Many DSCR lenders require a bankruptcy discharge date to be at least 36 months old before approving a cash-out refinance at MAX LTV 75%.
This borrower was able to qualify because our lender used the bankruptcy filing date instead of the discharge date.
✅ Approved at the MAX 75% LTV Cash-Out
✅ No Bank Statements Required
✅ HEA Payoff Allowed
✅ 6-Month Title Seasoning
✅ Property Held in LLC
✅ Interest-Only Option Available
✅ 720 FICO
What you don’t know can cost you.
The difference between an approval and a denial often comes down to lender guidelines. If you’ve been told no because of a prior bankruptcy, there may still be options available.
📲 Call or Text “NO DOC” to 949-537-2370

05/14/2026

🚨 DIGITAL HELOC FUNDED 🚨
This client came to us after working with several other brokers who could not get the deal approved.
The issue?
❌ Income could not be verified
❌ Rural property over 2 acres
❌ No tax returns
❌ Traditional bank statement programs failed
Multiple lenders said the deal could not be done.
We took a different approach.
Using advanced AI-powered income analysis and digital verification technology, we were able to properly structure the file, verify the borrower’s income, and get the HELOC funded in just 7 days.
✅ Income Successfully Verified
✅ No Tax Returns Required
✅ No Bank Statements Needed
✅ Rural Property Accepted
✅ Over 2 Acres
✅ Fast Funding
📍 Property Value: $507,019
📍 Loan Amount: $276,393
📍 Draw Amount: $271,001
📍 Final CLTV: 85%
⚠️ Not all Digital HELOC brokers are the same.
Technology alone does not close loans.
Knowing how to structure the file correctly makes the difference.
If another lender declined your file or told you your income could not be used, there may still be a solution available.
📲 Call/Text: 949-738-9770
📧 [email protected]

04/30/2026

DSCR DEAL JUST FUNDED 🔥
This one wasn’t your “easy” file… and that’s exactly why it matters. 75% LTV - Rural Cash-out!!
✔️ 120% ABOVE market rent
✔️ Vacant property at closing
✔️ Rural location
✔️ Only 6 months seasoning
✔️ Creative structure to make it all work
Most lenders would’ve passed.
We didn’t.
We leaned on strategy, structure, and ex*****on to get this across the finish line — no unnecessary hurdles, just solutions.
If your deal feels “too complicated,” it’s probably just with the wrong lender.
📩 DM me “DSCR” and let’s get yours funded.
CashFlow RentalProperty LoanOfficer CapRateFunding

04/29/2026

🚀 DIGITAL HELOC | JUST FUNDED
No tax returns. No upfront appraisal. No traditional underwriting.
Here’s how we got this deal done 👇
Client came to us needing fast access to equity—but didn’t have tax returns ready and didn’t want to deal with the usual delays, fees, and back-and-forth.
Instead of forcing them through the old system, we leveraged AI-driven underwriting technology to streamline the entire process.
✅ Income verified without tax returns
✅ No upfront appraisal costs
✅ No traditional underwriter bottlenecks
✅ Faster decision + faster funding
Result? 💰 $571,199 HELOC funded—clean, efficient, and stress-free.
This is what modern lending looks like.
If you’ve been told “no” because your file doesn’t fit the box, it might just be the system—not you.
📲 Let’s structure it differently.
PrivateLending AIFinance NoDocLoans LoanOfficer FundingSolutions

03/08/2026

DSCR loans are not one-size-fits-all.
Here’s why working with a mortgage broker gives you an advantage when financing investment properties.
passiveincome propertyinvestor

02/06/2026

7 deals funded for the same client in Michigan 💪
Total funding: $1,194,200
These weren’t easy deals—but that’s where experience, common sense, and flexible guidelines make the difference. When another lender couldn’t get the first one done, we took a fresh set of eyes and found a way to the finish line.
None of this would’ve been possible without our rock-solid processing team. Forever grateful for the teamwork and trust 🙏
On to the next one 🚀

PrivateLending NonQM InvestorLoans CreativeFinancing
FundedDeals DealMakers CommonSenseLending
RealEstateInvesting InvestorFocused
TrustedPartners TeamWork ProcessingTeam
ClosingDeals GettingItDone FundingSuccess

01/02/2026

As we expand into new territory, we’re proud to support homeowners in getting their deals funded and to end the year with our highest funded volume yet 🚀🏡
We’re actively adding more states, with Nevada launching soon 🌎✨
Stay tuned!

12/26/2025

As 2025 comes to an end, I’m taking a moment to slow down and truly enjoy the present. This year came with unexpected challenges and tough lessons, but it also reminded me that growth often comes from discomfort—and that the right company can make even the hardest years meaningful.

Spending Christmas in Khao Yai, Thailand, with someone special made this season even more memorable. Grateful for shared moments, quiet conversations, and the simple joy of being present. Ending the year with appreciation, clarity, and a full heart 🎄✨

12/18/2025

🔑 DEAL SAVED & FUNDED — PA 2-PACK 🔑
The client originally tried to close with their preferred lender chasing the lowest rate — and the lender failed to deliver. This is a classic lesson for investors: the lowest rate can backfire when the lender is too strict or simply can’t perform.
With an expiring note and time running out, we stepped in, restructured the deal, and executed without delays. The result? A clean close and a very happy client.
🏡 Barn-Style Properties | Pennsylvania (2-Pack)
✔ No OA Verification
✔ Appraisal Risk Score: 2.5
✔ Expiring Note — rescued before default
✔ Max LTV Cash-Out: 75%
✔ No Appraisal Amendment Required
The client was so satisfied they told us they are now a customer for life — and they’ve already lined up their next ground-up construction deal for us to review in the coming month.
Ex*****on beats rate shopping every time. Certainty of close is everything.

*****on

12/16/2025

This client came to us needing an urgent exit from a predatory commercial lender. The lender had no intention of letting them go and repeatedly inserted misleading language, claiming the borrower was late eight separate times, while refusing to acknowledge the truth — the client was only late once, and it was a single 30-day late. After weeks of back-and-forth and escalating pressure, we had to force their hand by clearly stating that legal counsel would be involved. Only then did they finally cooperate.
Even after breaking free from the existing lender, the deal wasn’t easy. Our team had to fight on the new financing side as well. We worked through underwriting, pushed for a mortgage late exception, and structured the file with true common-sense underwriting. Thanks to relentless coordination between our processing and capital markets teams, we were able to accommodate the risk, solve for the lender’s concerns, and get this Texas DSCR loan across the finish line.
This is exactly why experienced investors work with brokers who know how to battle on their behalf — not just quote rates, but actually get deals done.
Texas DSCR Loan | FUNDED ✅
✅ 670 FICO
✅ No Bank Statements
✅ Mortgage Late Exception Approved
✅ No Primary Rent Verification
✅ Cash-Out Used as Reserves
✅ Common-Sense Underwriting
✅ Funded with Tier 1 Processing Team
Another investor protected. Another predatory lender exited. Another deal closed.
*****on

Address

100 Spectrum Center Drive, Suite 936
Irvine, CA
92618

Telephone

+19495372370

Website

http://capratefunding.net/

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