WELCOME
Find The Right Investor Mortgage
We specialize in tailoring mortgage solutions to meet your unique needs. Whether you’re purchasing a home, refinancing, or investing, we provide expert guidance, personalized service, and innovative tools to make the lending process seamless and stress-free.
About Us
Helping You Invest in Your Future
At Cap Rate Funding, based in Irvine, CA, we specialize in helping clients achieve their investment property goals. We understand that every investor has unique needs, and we’re proud to offer a wide range of tailored financing solutions designed to support your real estate ambitions.
With our expertise and innovative tools, we simplify the process of financing investment properties. Through our secure website, you can submit a loan application or pre-qualify for an investment loan quickly and conveniently. Our interactive tools, including calculators and financing scenario comparisons, allow you to evaluate your
What we are offering
Our Products
HELOC
Access your home’s equity without the bank delays. Our fully digital HELOC offers fast approvals, no hard inquiry to check options, and funding in as little as 5 days.
Hard Money
Get fast, flexible financing for your next fix-and-flip project. With competitive terms and quick approvals, we make it easier to capitalize on time-sensitive opportunities and maximize your profits.
Short-Term Rental
Secure flexible, investor-focused financing designed for Airbnb and VRBO properties. Our DSCR loans offer quick approvals and dependable terms, making it easier to expand your portfolio or refinance your vacation rentals
Multi-Family 2-4 Unit
Unlock tailored financing solutions for your 2 to 4-unit investment properties. Our investor-focused approach ensures flexible terms and quick approvals to help you achieve your real estate goals.
Long Term Rental
Investor-focused financing for long-term rental properties is what we deliver. Our DSCR loans prioritize property cash flow, offering quick approvals and flexible terms to simplify portfolio growth or refinancing
Investor Refinance
Unlock equity, reduce rates, or restructure your financing with tailored solutions for real estate investors. Our lending experts are here to help you maximize your portfolio’s potential. Fill out the form below to get started.
DSCR
Secure flexible, investor-focused financing with our DSCR loans, tailored for real estate professionals. With quick approvals and dependable terms, we make it easier to grow your portfolio or refinance existing properties. Fill out the form below to get started.
Apply Now!
Are you purchasing, refinancing, or cashing out?*
Tell us what type of financing strategy you are looking for
Investment property, or home you plan on living in?*
What is the property address?*
Depending on location we may have specific programs
Street Address
City
State
What's the purchase price or refinance amount?
Our minimum loan amount is $75,000 up to $20,000,000
How is your credit?*
We do not lend on credit scores below 660
Legal first and last name of the primary borrower?*
Your identity will be protected. No spam
First Name
Last Name
What is your email address?*
Your email address will be protected. No Spam
Mobile phone number?*
Your phone number will be protected. No Spam
Application Received
Thank you. One of our lending experts will reach out shortly to discuss your scenario and next steps.
949-738-9770Notice:By providing your name and contact information you are expressly consenting to receive communications from Cap Rate Funding, Cap Rate Funding agents, or affiliated partners which may include phone calls (including to any wireless number that you provide) including automatic telephone dialing systems or by artificial/pre-recorded messages text message and/or emails for the purpose of marketing Mortgage products and services. By providing your information, you understand that your consent is not a condition of the purchase of any product or services, and carrier messaging and data rates may apply. You may revoke this consent at any time by calling us at 949-738-9770 or by emailing us at chase@lowerrefinancerate.com to be placed on our do-not-call list.
By clicking Submit:I Consent to Receive SMS Notification, Alerts & Occasional Marketing Communication from Cap Rate Funding, Message frequency varies. Message & data rates may apply. Text HELP to 949-738-9770 for assistance. You can reply STOP to unsubscribe at any time.
Go beyond with Cap Rate Funding
We make transitioning to our platform straightforward and effective.
Initial consultation
Share your scenario, and we'll assess your needs.
Customized solutions
Complete your application and receive fast approvals.
Application & approval
Receive tailored loan options designed for your goals.
Closing & beyond
Seamlessly close your loan and enjoy continued support.
Where We Lend
States We Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.