FundLoans for Washington investors
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.
Washington context
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable.
How FundLoans positions in Washington
For Washington specifically, FundLoans fits investors who match the hard money approach. The medium cash flow profile of Washington aggregate makes it workable for FundLoans.
City-level coverage in Washington
FundLoans provides DSCR coverage across Washington metros including Seattle, Spokane, and Tacoma. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. FundLoans program terms apply uniformly across Washington metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $200K - $6.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Washington property tax | 1% |
| Washington state income tax | None |
FundLoans strengths in Washington
- 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.
FAQ
Likely; verify direct Washington coverage. FundLoans is based in an undisclosed location and operates in states not publicly disclosed.
Seattle is the top investor market in Washington and is generally within FundLoans states not publicly disclosed footprint. Seattle property tax follows the Washington state rate of 1 percent. FundLoans typically underwrites Seattle acquisitions at standard rate sheets.
Yes. Spokane ranks among the larger Washington investor metros and sees consistent DSCR loan volume from FundLoans. Submarket variation within Spokane matters for property selection.
FundLoans applies the same rate sheet across Washington metros. Pricing variation comes from property-specific factors rather than metro location within the same state. Seattle, Spokane, and Tacoma all qualify for the same FundLoans program.
FundLoans does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Washington no state income tax (helps DSCR cash flow). Seattle tenant protections. Spokane more affordable. FundLoans follows standard business-purpose loan structures.
FundLoans funds rental DSCR in Washington.
Washington allows standard DSCR prepay structures; FundLoans typically uses 3-5 year step down.
FundLoans typical close: Not publicly published.
Bottom line
For Washington DSCR borrowers, FundLoans is one option among many. Compare against 2-3 lender programs before committing.
Independent directory listing. DSCR Loan Program is not affiliated with FundLoans.