Overview
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed.
FundLoans's headquarters and founding year are not publicly published. They operate in states not publicly disclosed and offer rental DSCR financing. Their loan amount range runs from $200K to $6.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | states not publicly disclosed |
| Loan size | $200K – $6.0M |
| Interest rate range | Not publicly published — quoted per deal |
| Origination points | Not publicly published |
| Minimum credit score | 660 |
| Minimum DSCR | 0.75 |
| How to access | Broker only |
| Max LTV | 80% of ARV |
| Max LTC | 80% of cost |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
Strengths
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Ideal borrower
Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
How FundLoans compares
As an institutional non-QM lender, FundLoans's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. FundLoans serves states not publicly disclosed, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for FundLoans cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
FundLoans FAQ
FundLoans serves states not publicly disclosed. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
FundLoans's typical minimum loan is $200K, with maximum loan size up to $6.0M.
FundLoans's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
FundLoans offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
This review is an independent directory listing. DSCR Loan Program is not affiliated with FundLoans, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.