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Loan Programs

Loan Programs

Loan Programs

DSCR

Close DSCR loans with the fastest turn times in the industry
  • No ratio loans
  • No income no employment
  • Condotels, mixed use, 5-8 unitsCondotels, mixed use, 5-8 units
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12/24 Months Bank Statements

The perfect fit for self-employed borrowers
  • Personal / business / combined
  • As low as 3 month reserves
  • Concierge Service to calculate income
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ITIN

Expand your mortgage portfolio for borrowers without a SSN
  • Min. FICO 660 and up to 80% CLTV for Super Prime program
  • Min. FICO 700 and up to 70% CLTV for DSCR
  • Loan Amounts up to $1.5 Million
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1Y + 2Y P&L

The simpliest alternative solution for self-employed borrowers
  • P&L by Licensed CPA, Enrolled Tax Agent, or Licensed Tax Preparer
  • 2 months of bank statements required
  • Loan amounts up to $4 million
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1Y or 2Y Full Doc Non-QM

Take advantage of Non-QM flexibility for Full Doc borrowers
  • Loan amounts up to $4 million
  • DTI up to 55% on owner-occupied
  • 1Y credit event allowed
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1099

Ideal loan for sole proprietors or contract individuals
  • 1099s for last 1 year
  • 1 year history with same employer
  • Gift funds allowed
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WVOE

Loan solution for salaried borrowers with no tax returns
  • FNMA Form 1005
  • 3 month reserves
  • No tax returns required
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Asset Utilization

Qualify high net-worth individuals with their accumulated capital
  • Qualifying assets / 60
  • 3 month reserves
  • Checking, savings, stocks, bonds
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Foreign Nationals DSCR

Qualify Foreign Nationals with minimal documentation and fast closings
  • Loan amounts up to $2 million
  • Cash-out allowed
  • DSCR < 1 requires min FICO 680 or No FICO
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Foreign Nationals Full Doc

Qualify Foreign National borrowers with overseas income
  • Loan Amount up to $2 Million
  • Overseas assets allowed
  • RON allowed
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Prime Jumbo

A solution for borrowers seeking large home loans
  • Loan amounts up to $2.5 million
  • DTI up to 45%
  • No MI required
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Second Mortgage

A solution to secure additional funding with existing equity
  • Loan amounts up to $500,000
  • DTI up to 50%
  • Owner-occupied, second home, investment, Foreign National
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Short Term

FundRock Capital offers short-term bridge financing, fix and flip financing
  • 12 – 18 Months
  • $250k – $2.5M
  • Cash-Out: Up to 65% of the As-Is Value
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Long Term

FundRock Capital offers short-term bridge financing, fix and flip financing
  • 30-Years
  • $100k – $2M
  • Cash-Out: Up to 65% of the As-Is Value
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New Construction

FundRock Capital is able to provide financing to cover all of your ground-up construction needs
  • 12 – 24 Months
  • $100k* – $2M
  • Starting at 10.99%
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Build to Rent

Construction loans for builders with a build to rent strategy. Save time, money, and headaches
  • Fast, simple closings
  • 13, 19, 24-month term
  • Non-recourse available
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Bridge Plus

Free up working capital with a bridge loan for new construction financing on completed new home inventory
  • Exterior valuations
  • Up to 80% LTV
  • 13, 19, 24-month
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Hard Money

A solution to bridge the gap when transitioning from one home to another
  • Loan amounts up to $2.5 million
  • 5-year interest only
  • Close in an LLC
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FIX & FLIP

RCN Capital’s ARV Loan Program offers financing for up to 90% of the purchase price

  • $100k for Single-Family
  • $350k for Multi-Family
  • 12 – 18 Months
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STABILIZED BRIDGE

FundRock Capital’s ARV Loan Program offers financing for up to 90% of the purchase price

  • PURCHASE LTV Up to 75%
  • REFINANCE LTV Up to 70%
  • CASH-OUT LTV Up to 65%
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We’re here to help you build your business from the ground up, every step of the way.

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