Overview
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage figures in the sources reviewed.
Mortgage Capital Funding'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 $150K to $3.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR |
| Geographic coverage | states not publicly disclosed |
| Loan size | $150K – $3.0M |
| 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
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Ideal borrower
Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
How Mortgage Capital Funding compares
As an institutional non-QM lender, Mortgage Capital Funding'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. Mortgage Capital Funding 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 Mortgage Capital Funding 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
Mortgage Capital Funding FAQ
Mortgage Capital Funding serves states not publicly disclosed. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Mortgage Capital Funding does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience. Request a quote directly.
Mortgage Capital Funding's typical minimum loan is $150K, with maximum loan size up to $3.0M.
Mortgage Capital Funding's typical close timeline is Not publicly published. Fast-close depends on documentation quality, title clarity, and underwriting load.
Mortgage Capital Funding offers rental DSCR financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.
This review is an independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding, 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.