Capital Funding Financial

About Capital Funding Financial

Capital Funding Financial is a family operated licensed private lender specializing in asset based investment properties nationwide.We close loans in 3-7 DAYS due to our NO Credit or Income Verification and NO Appraisal Requirement (BPO Instead)!We self fund our loans as a DIRECT LENDER with in house underwriting and in house legal counsel.We are A+ Rated with the BBB (Better Business Bureau) with 50+ 5 Star Google Reviews from past clients! We have been featured in Forbes, The Miami Herald, and numerous other news outlets highlighting our past closed deals for our clients. Our Principals have over 30 Years in combined real estate experience with over 1 Billion in Closed Real Estate Transactions.Our rates start at 5.49% on our longer term programs...If you are seeking a private lender who is FAST, HONEST, and RELIABLE with an EXCELLENT REPUTATION for CLOSINGS DEALS ON TIME then you have come to the RIGHT PLACE!Check out our HARD MONEY LOAN, FIX & FLIP, 30 YR RENTAL, AND COMMERCIAL BRIDGE LOAN PROGRAMS TODAY!CALL 954-320-0242 TO SPEAK TO A LOAN OFFICER

Loan Types Offered: Fix and Flip Loans, Commercial Hard Money Loans, Refinance / Cash Out Loans, Bridge Loans

Property Types Covered: Single Family, Multi Family, Apartment, Office, Retail, Hotel, Mixed Use, Warehouse, Industrial, Medical, Land

Areas Served: National

Licenses: NMLS# MBR2131, NMLS #1500207

Lending Guidelines for Capital Funding Financial

Below are the general loan guidelines published on the Capital Funding Financial website. Please confirm all terms and rates directly with the lender.

Loan Examples

The following loans are for education purposes only. They do not represent actual loans executed by Capital Funding Financial.

Loan Example 1

Dorothy finds a duplex in Miami, FL to remodel and resell. Since she does not have enough cash available to purchase the $230,000 project outright, she decides to take out a hard money loan from Capital Funding Financial. The loan to value (LTV) on the deal is 75%. This means that Dorothy will need to bring 25% of the purchase price to closing and the principle will be $172,500 on the deal. The deal also consists of the following features: 1) a 12 month term, 2) a 9% interest only note, and 3) a two percent origination charge.

According to the terms of the loan, Dorothy will have to contribute a $3,450 origination fee in addition to 25% of the purchase price, or $57,500, since there is a 75% LTV. The monthly interest only payments will then be $1,294 to Capital Funding Financial. Assuming Dorothy sells the remodeled house for $287,500 at the end of the 12 month term, her total profit (not including renovation expenses) would be $38,525. This is computed by taking the sales price ($287,500) and subtracting the original principle ($172,500), the origination fee ($3,450), the funds she contributed to closing ($57,500), and the total interest expenses ($15,525).

Loan Example 2

Ronnie finds a house in Miami, FL to rehab and sell. Because he does not have enough cash to buy the property outright, he takes a fix and flip loan from Capital Funding Financial with the following parameters:

$260,000 purchase price
55% loan to value (LTV)
6 month term
8% rate of interest
1% origination fee

If Ronnie succeeds in his goal of a $351,000 sales price, the final numbers of the project would be as follows:

$351,000 sales price
- $143,000 principle (55% LTV)
- $117,000 down payment (45% on 55% LTV)
- $1,430 origination points (1% of the $143,000 principle)
- $5,720 total interest paid (6 months x 8% interest)
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= $83,850 gross profit (does not include taxes or renovation costs)