Mortgage Capital Funding for Louisiana investors
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.
Louisiana context
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost.
How Mortgage Capital Funding positions in Louisiana
For Louisiana specifically, Mortgage Capital Funding fits investors who match the hard money approach. The high cash flow profile of Louisiana aggregate makes it a target market for Mortgage Capital Funding.
City-level coverage in Louisiana
Mortgage Capital Funding provides DSCR coverage across Louisiana metros including New Orleans, Baton Rouge, and Shreveport. Within each metro, submarket variation drives deal-specific underwriting more than lender selection. Mortgage Capital Funding program terms apply uniformly across Louisiana metros; the specific deal characteristics determine final pricing.
Terms and pricing
| Loan type | DSCR non-QM institutional |
|---|---|
| Products | rental DSCR |
| Loan size | $150K - $3.0M |
| Rates | Not publicly published |
| Points | Not publicly published |
| Max LTV | 80% of ARV |
| Term lengths | Not publicly published |
| Typical close time | Not publicly published |
| Louisiana property tax | 0.6% |
| Louisiana state income tax | 4.25% |
Mortgage Capital Funding strengths in Louisiana
- 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.
FAQ
Likely; verify direct Louisiana coverage. Mortgage Capital Funding is based in an undisclosed location and operates in states not publicly disclosed.
New Orleans is the top investor market in Louisiana and is generally within Mortgage Capital Funding states not publicly disclosed footprint. New Orleans property tax follows the Louisiana state rate of 0.6 percent. Mortgage Capital Funding typically underwrites New Orleans acquisitions at standard rate sheets.
Yes. Baton Rouge ranks among the larger Louisiana investor metros and sees consistent DSCR loan volume from Mortgage Capital Funding. Submarket variation within Baton Rouge matters for property selection.
Mortgage Capital Funding applies the same rate sheet across Louisiana metros. Pricing variation comes from property-specific factors rather than metro location within the same state. New Orleans, Baton Rouge, and Shreveport all qualify for the same Mortgage Capital Funding program.
Mortgage Capital Funding does not publish a rate sheet. Pricing is quoted per deal and depends on credit, leverage, coverage ratio and experience.
Louisiana low property tax. New Orleans STR heavily regulated. Hurricane and flood insurance major cost. Mortgage Capital Funding follows standard business-purpose loan structures.
Mortgage Capital Funding funds rental DSCR in Louisiana.
Louisiana allows standard DSCR prepay structures; Mortgage Capital Funding typically uses 3-5 year step down.
Mortgage Capital Funding typical close: Not publicly published.
Bottom line
Louisiana investors considering Mortgage Capital Funding should verify current rate sheets directly and confirm specific submarket coverage.
Independent directory listing. DSCR Loan Program is not affiliated with Mortgage Capital Funding.