Rates, Fees & Terms

No hidden fees, no bait-and-switch. Here's what investor loans with FundNow Capital typically look like before you apply.

Investor loan programs

DSCR Rental (30-Yr Fixed)

from 6.49%

Refinance from 6.74%

Points
1 – 2 points
Loan size
$100K – $3M
Leverage
Up to 80% LTV purchase
Term
30-yr fixed, IO & ARM options
Closing
As little as 20 days
Min. credit
660+
ApplyDetails

Fix & Flip (12-Mo Interest Only)

from 9.25%

Refinance from 9.49%

Points
1.5 – 3 points
Loan size
$75K – $5M
Leverage
Up to 90% LTC, 100% rehab
Term
12 – 18 months, interest only
Closing
As little as 20 days
Min. credit
650+
ApplyDetails

Bridge / Short Term

from 8.99%

Refinance from 9.25%

Points
1.5 – 3 points
Loan size
$100K – $10M
Leverage
Up to 75% LTV
Term
6 – 24 months, interest only
Closing
As little as 20 days
Min. credit
650+
ApplyDetails

New Construction

from 9.99%

Refinance from —

Points
2 – 3 points
Loan size
$150K – $10M
Leverage
Up to 85% LTC
Term
12 – 24 months, draws
Closing
As little as 20 days
Min. credit
680+
ApplyDetails

Commercial (Retail / Office)

from 7.25%

Refinance from 7.49%

Points
1 – 2 points
Loan size
$500K – $50M+
Leverage
Up to 75% LTV
Term
5 – 30 years
Closing
30 – 60 days
Min. credit
680+
ApplyDetails

DSCR loan rates today

30-year fixed DSCR loan rates start around 6.49% on purchases and 6.74% on refinances. Your exact rate depends on the factors below. We qualify you on the property's rent, not your tax returns.

Credit scoreHigher scores get lower rates. 740+ usually prices best; 660 is a typical minimum.
Loan-to-value (LTV)Putting 25% or more down usually lowers the rate versus 20% down.
DSCR ratioRent ÷ monthly payment. 1.25 or higher prices better; below 1.0 may still qualify at a higher rate.
Loan purposePurchases usually price a bit lower than cash-out refinances.
Prepayment penaltyChoosing a 3–5 year step-down penalty lowers the rate; no penalty costs more.
Discount pointsPaying points at closing buys the rate down (see the real example below).
Property typeSingle-family usually prices best; 2–4 units and short-term rentals can be slightly higher.

DSCR rate questions

What is a good DSCR loan rate right now?

Strong borrowers are seeing 30-year fixed DSCR rates starting around 6.49%. Most investors land within about 0.5%–1.5% of that depending on credit, LTV and DSCR.

Are DSCR rates higher than conventional mortgage rates?

Usually by about 0.5%–1.5%, because DSCR loans skip tax returns and W-2s and let you close in an LLC.

How can I lower my DSCR loan rate?

Raise your down payment, pick a property with stronger rent, accept a prepayment penalty, or buy points.

How fast can a DSCR loan close?

In as little as 20 days once the appraisal and title are in.

Learn more: Understanding DSCR loan interest rates · DSCR loans · DSCR calculator

A real DSCR loan, every fee shown

A recent rental purchase we closed. Borrower details removed.

Loan amount$157,600 (80% LTV)
Rate / credit score7.25% / 773 FICO
Underwriting fee$1,945
Broker fee$2,501 (1.59%)
Discount points (buys the rate down)$1,379 (0.875%)
LLC document prep$495
Appraisal (paid before closing)$760
Credit, tax service, flood, condition report$267
Title & attorney charges$2,430
Total lender + broker fees$6,587
Monthly payment incl. taxes & insurance$1,298

Typical fees

Application fee$0
Underwriting fee (lender)About $1,945
Broker feeAbout 1.5% – 2% of the loan
LLC document prep (lender)About $495
AppraisalPaid to the appraiser at cost ($500 – $900 typical)
Credit report, tax service, flood certAbout $180 combined, at cost
Rehab draw inspection$150 – $250 per draw (fix & flip, construction)
Title, attorney, recordingThird-party at cost (about $2,400 on a $150K loan)
Prepayment penaltyNone on short-term loans; DSCR options from none to 5-yr step-down
  • Every fee is listed on your term sheet before you commit.
  • No tax returns or W-2s required on most investor programs.
  • Lending in 36 states. Investment properties only.

Rates shown are starting estimates for well-qualified investors, change daily, and are not a commitment to lend. Final pricing depends on credit, experience, leverage, and property. Points, fees and limits shown are typical ranges, not an offer or commitment to lend. Business-purpose loans only.

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