Capital Fund 1 Fix-and-Flip loans fund up to 90% LTP and 70% ARV for experienced investors in AZ, CO, TX, TN, and GA, with no credit check, no appraisal before funding, and closings in as little as 24 hours.
| Fix & Flip Feature | Structure & Terms |
|---|
| Project Types | SFR, 2-4 units, condos, multifamily in Arizona, Colorado, Texas, Tennessee, and Georgia. Fix-and-flip, rehab-to-sell, and rehab-and-hold projects. Major remodel/addition loans also available (min $50,000 rehab budget). No owner-occupied. No 100% financing. No cannabis properties. 1st lien only. |
| Loan Limits & Terms | $50,000 to $15,000,000 | 6 to 12 months (6- or 12-month timeline options) | Interest-only, first-lien | No prepayment penalty | Can close and fund in as little as 24 hours | Trustee sale and auction purchases funded within 24 hours |
| Rates & Fees | 8.99% to 12.99% interest rate | 1% to 2.5% origination (min $999) | No credit check | No personal tax returns | No appraisal required before funding | Interest on drawn funds only | No prepayment penalty |
| Leverage Ratios (LTC/ARV) | Max 90% LTP (purchase price) | Max 85% LTC (total project cost) | Max 70% ARV (after-repair value) | Max 80% LTC for renovation costs | Minimum 4 prior value-add projects required | Borrower equity sources: own cash, partner, equity in another investment property |
| Draw Process | Typical 3-day draws. Interest on drawn funds only. Proof of funds letters available. Auction and trustee sale purchases funded in 24 hours. Use FlipperForce's Project Budgeter to track live budget variance and Rehab Estimator to scope your project before applying. |
| Key Advantages | Fund in 24 hours. No credit check. No tax returns. No appraisal before funding. No prepayment penalty. Trustee sale financing in 24 hours. Cross-collateralization accepted. Junior liens accepted behind CF1 senior mortgage. Foreign nationals accepted. 99-person team with offices in Scottsdale, Denver, and Dallas. Direct balance sheet lender since 2009. |
Capital Fund 1 New Construction loans finance ground-up builds and partially completed projects across AZ, CO, TX, TN, and GA at up to 80% LTC and 65% land LTV, with funding in 3-5 days, no credit check, and no appraisal before closing.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Ground-up new construction and construction completion loans in AZ, CO, TX, TN, and GA. Residential (SFR, townhomes, multifamily), multifamily, and commercial construction. Partially completed construction projects accepted. Land and lot loans available separately (up to 70% LTV, entitled land with existing improvements required). |
| Loan Limits & Terms | $50,000 to $15,000,000 | Up to 24 months | Interest-only on non-owner occupied construction | No prepayment penalty | Construction deals funded in as little as 3-5 business days | Interest on drawn funds only |
| Leverage Ratios (LTC) | Land acquisition: Max 65% LTP | Construction costs: Max 80% LTC | Multifamily construction: Max 65% LTP land, 80% LTC | Commercial construction: Max 65% LTP land, 80% LTC | Minimum 1 prior ground-up construction project required |
| Construction Completion | Partially completed construction projects accepted. Capital Fund 1 will lend on projects already mid-construction that need capital to complete - including investor takeovers of stalled builds. Highly flexible deal structuring is a stated strength. Interest charged only on drawn funds during the construction period. |
| Key Advantages | Fund in 3-5 days. No credit check. No appraisal before funding. No prepayment penalty. Partially completed projects accepted. Land loans available (up to 70% LTV on entitled land). Cross-collateralization accepted. Flexible deal structuring. Offices in AZ, CO, TX with teams that understand local construction markets. |
Capital Fund 1 DSCR Rental loans provide long-term investment property financing across AZ, CO, TX, TN, and GA at 8.99%-10.99% with up to 85% LTP, 75% LTV, on 36-60 month terms, with portfolio loans available and no personal income check.
| Rental DSCR Feature | Structure & Terms |
|---|
| Property Types | 1-4 unit residential (SFR, condos, 2-4 units), multifamily, and portfolio of residential properties in Arizona, Colorado, Texas, Tennessee, and Georgia. Short-term rentals (STR) and vacation rentals also accepted. No owner-occupied. 1st lien only. |
| Loan Limits & Terms | $50,000 to $15,000,000 | 36 to 60 months | Portfolio loans accepted | No personal income check | Qualifies on property cash flow (DSCR) |
| Rates & Leverage | 8.99% to 10.99% interest rate | Origination 2.25% to 2.75% | Max 85% LTP (purchase) | Max 75% LTV (refinance) | Qualifies on rental income vs. monthly payment - income must meet or exceed expected monthly payment |
| DSCR Qualification | Minimum DSCR ratio of 1.0x - the property must generate at least enough rental income to cover the monthly payment. A 1.2x DSCR requirement means the property must generate 1.2 times the monthly payment. STR and vacation rental income considered. Use FlipperForce's BRRRR Analyzer to model your projected DSCR before applying. |
| Key Advantages | No credit check. No personal tax returns. STR/vacation rental income accepted. Portfolio loans available. No prepayment penalty. BRRRR path: exit a Capital Fund 1 fix-and-flip or construction loan directly into their DSCR rental program with the same lender. Use FlipperForce's BRRRR Analyzer to model your rental exit before starting the project. |
Capital Fund 1 Short-Term Bridge loans provide fast-close acquisition and refinance capital across AZ, CO, TX, TN, and GA at up to 90% LTP residential, with no credit check, no appraisal before funding, and closings in as little as 24 hours.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Short-term bridge for acquisitions, refinances, cash-out, BRRRR buy-and-hold, and transitional holds in AZ, CO, TX, TN, and GA. Buy-and-Hold program for investors holding and refinancing into long-term rental financing. Trustee sale and auction purchases funded within 24 hours of auction win. Cross-collateral financing available. No owner-occupied. No 100% financing. |
| Property Types | SFR, 2-4 units, condos, multifamily, and a wide range of commercial property types (industrial, retail, office, mixed-use, hotel, motel, storage, mobile home parks, bed and breakfasts, and more). Portfolio of residential and commercial properties accepted. Vacant and tenant-occupied. |
| Loan Limits & Terms | $50,000 to $15,000,000 | 6 to 60 months | Interest-only, first-lien | No prepayment penalty | Proof of funds letters available | Property not required to be under contract at application |
| Rates & Leverage | 8.99% to 12.99% | 1% to 2.5% origination | Short-term purchase (no value-add): Max 90% LTP residential, 85% LTP multifamily, 80% LTP commercial | Short-term refi (no cash-out): Max 85% LTV residential | Cash-out refi: Max 85% LTV residential | No credit check | No appraisal before funding |
| Key Advantages | Fund in 24 hours start to finish. Trustee sale and auction purchases funded within 24 hours. No credit check. No appraisal before funding. No prepayment penalty. Cross-collateral available. Junior liens accepted. Foreign nationals accepted. Broad commercial property type coverage. Partner buyouts, condo conversions, and land development loans also available. |
