Capital forged on the property, not your paystubs.
Capital Foundery connects real estate investors with a network of lenders behind one 30-year fixed DSCR loan, for both purchase and refinance. No income docs, no tax returns, no employment check. We qualify the deal on the property, with financing up to 80% of value.
Rates from 6.99%, starting from, on approved credit. Not a guaranteed rate.
What do you need?
We fund both purchases and refinances on 1 to 4 unit rentals.
Purchase or refinance. Same fast, asset-based yes.
Whether you are buying, swapping into a lower rate, or pulling cash out of a property you already own, we route your scenario to the lender in our network that prices it best.
Buy your next rental
Acquire a 1 to 4 unit rental in livable condition and qualify on its rent. Put down as little as 20% and keep your capital free for the next deal.
- Max LTV
- Up to 80%
- Term
- 30-year fixed
- Min FICO
- 660
Lock in better terms
Exit a bridge or higher-rate loan into a 30-year fixed at a lower rate, with no cash out. Just long-term stability on a payment that never changes.
- Max LTV
- Up to 80%
- Of
- As-is value
- Term
- 30-year fixed
Pull equity to scale
Tap the equity in a stabilized rental and redeploy it into your next acquisition, while keeping a long-term fixed loan in place on the original property.
- LTV
- 70 to 75%
- Of
- As-is value
- Term
- 30-year fixed
LTV figures are program maximums based on credit and the property's DSCR. Rates from 6.99%, starting from, on approved credit. Rates and terms are subject to change and based on credit and property qualification. Not a commitment to lend.
Built for investors who want to buy, rent, and hold.
Instead of underwriting you, we underwrite the property. That is what lets us skip the income docs on both purchases and refinances.
Tell us about the deal
Choose purchase or refinance, then share the property type, location, value or price, expected rent, and your credit band. It takes about two minutes with no hard credit pull.
We size the DSCR
We estimate the property's Debt Service Coverage Ratio, its rental income divided by the all-in monthly payment. Higher rent and lower expenses raise the DSCR and unlock more leverage at a better rate.
We route it to the right lender
We match your scenario to the lender in our network that prices it best, then hand you off to lock a 30-year fixed loan. Most investors keep the rest of their cash for the next acquisition.
What is DSCR?
DSCR stands for Debt Service Coverage Ratio. It measures a property's ability to pay its own monthly mortgage from its rental income. A DSCR of 1.0 means the rent exactly covers the payment. Above 1.0 means the property earns more than it costs to carry.
Higher rent and lower expenses raise the DSCR, which lets us lend closer to the program maximum at a lower rate, on both purchase and refinance.
PITIA = Principal, Interest, Taxes, Insurance, and Association dues, the all-in monthly payment.
One application, matched to the lender who prices it best.
Capital Foundery is a referral brand. You bring the scenario, we route it across our wholesale lending network so a deal that stalls in one place can still get done in another. Because we qualify the property and not your paycheck, there is no income check, no tax-return review, and no employment requirement.
- No proof of income, ever
- No tax returns or W-2s
- Self-employed and full-time investors welcome
- Purchase, rate-and-term, and cash-out refinance
No paystubs. No tax returns. No employment check.
We do not check your income, tax returns, or employment. Qualification comes down to your credit and the property itself, on both purchase and refinance.
What we fund
- 1 to 4 unit residential property (single family, duplex, triplex, quadplex)
- Held as investment property, in a non-rural area
- Long-term rental, vacant or already occupied
- Short-term rentals where the program allows
- Minimum 660 FICO preferred
- Livable condition at the time of the loan
What this program does not cover
- Owner-occupied homes you plan to live in
- Properties of 5 or more units
- Rural properties or land near lots of farmland
A financing partner for serious rental investors.
Qualify on the rent
We focus on the property's ability to pay for itself, not your W-2. Self-employed and full-time investors are welcome.
30-year fixed stability
A fixed rate for the full term means your mortgage payment does not change for 30 years. No resets, no surprises.
Purchase and refinance
Buy a rental, lock in a lower rate, or pull cash out of a property you already own, all from one application.
A network of lenders
We route your scenario to the lender that prices it best, so a deal that stalls one place can still get done.
Up to 80% leverage
Finance up to 80% of value on a purchase or rate-and-term, and commonly 70 to 75% on a cash-out.
Built to scale
Whether you are financing your first rental or your fiftieth, the program is designed to help you grow a portfolio.
DSCR loans, explained.
What is a 30-year DSCR loan?
It is a business-purpose loan for real estate investors who want to buy or refinance a rental property. Instead of qualifying on your income, you qualify on the property's Debt Service Coverage Ratio, its ability to cover the monthly payment from rent.
Do you do refinances too, or just purchases?
Both. We cover purchase, rate-and-term refinance, and cash-out refinance. Rate-and-term swaps you into a lower rate and a 30-year fixed term with no cash out. Cash-out lets you pull equity from the property's as-is value, commonly up to 70 to 75 percent.
Do you really not check my income or tax returns?
Correct. We do not check income, tax returns, or employment on this loan. We focus on the property paying for itself through its rental income. You do need a minimum credit score of 660 to qualify.
What types of property can I finance?
Livable-condition residential properties of 1 to 4 units: a single family home (1 unit), duplex (2), triplex (3), or quadplex (4). They must be investment properties in non-rural areas. Long-term rentals are the core program, and short-term rentals are considered where the program allows. We can finance both vacant and already-occupied rentals.
What is not eligible?
We cannot lend on a home you intend to live in (owner-occupied), properties of 5 or more units, or rural properties and those near lots of farmland.
How much can I borrow and what is the rate?
Up to 80 percent of value on a purchase or rate-and-term refinance, and commonly 70 to 75 percent on a cash-out, at a fixed 30-year rate. Rates start from 6.99 percent on approved credit and are not guaranteed. Your exact loan amount and rate are determined by the property's DSCR, your credit, and the property qualification, and are confirmed on a call.
How does Capital Foundery make money?
Capital Foundery is a referral brand. We capture your scenario and route it to a lender in our wholesale network who can fund it. There is no obligation, and you are never charged to prequalify.
Ready to finance your next rental?
Prequalify in about two minutes, whether you are buying or refinancing, and we will follow up with your exact loan amount, rate, and monthly payment.
Start my prequalification