Tap your equity, the FHA way.
FHA cash-out refinancing turns your home equity into cash to pay off high-interest debt — with credit guidelines more forgiving than conventional. For owner-occupied 1–4 unit homes.
- FHA Streamline — minimal docs, no appraisal, all credit considered — even on a former home you now rent out
- Payment history matters: no late payments in the last 12 months — on all accounts
- FHA cash-out — access your equity with forgiving credit guidelines
- Credit still rebuilding? FHA reads your story, not just your score
- 1–4 unit owner-occupied — rental units on the property help you qualify
- Rate & term refinancing available too
📞 Or skip the form — call or text us: 949-738-9770
Is this for your primary residence?*
Purchases & cash-out need owner occupancy — an FHA Streamline works on a former primary you now rent out
What loan type are you interested in?*
What is the property address?*
Depending on location we may have specific programs
What's the purchase price or refinance amount?
Our minimum loan amount is $75,000 up to $20,000,000
Are you purchasing or refinancing?*
How is your credit?*
Minimums vary by program — see our lending box above for details
Is the property occupied or vacant?*
When was the property purchased?*
Almost done — who should we prepare your options for?*
Legal first and last name of the primary borrower. Your identity is protected — no spam.
Where should we send your options?*
We'll email your scenario and next steps — never sold, no spam.
Last one — best number for your loan specialist?*
A real person from our Irvine office — no call centers. Your number is protected, no spam.
Notice: 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@capratefunding.net 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.
What kind of FHA refinance?
An FHA Streamline refinances your current FHA loan with minimal documentation, no appraisal, and all credit considered.
On a rental, FHA only allows the Streamline.
FHA purchases and standard refinances require owner occupancy — but an FHA Streamline works on a former primary residence you now rent out (your current loan must be FHA). Want cash out of a rental instead? Our DSCR cash-out qualifies on the rent with no title seasoning.
Explore DSCR Cash-Out → 📞 Call / Text Us: 949-738-9770What's the purchase price?*
Your best estimate is fine — we'll tailor the loan to it
Last one — how do you earn, and what's your annual income?*
Annual income (before taxes)
What is the existing balance on your property?*
Include all liens — first, second, HELOC. Enter 0 if it's paid off.
What is the current value of the property? (Your best estimate)*
With credit below 620, qualifying comes down to equity — this tells us if we can make it work.
We can't make this one work — here's exactly why.
With a credit score below 620, our lenders need your existing loan balance to sit below 65% of your home's appraised value. Based on the numbers you entered, your current balance is at or above that line, so we're not able to move forward on this loan today.
Two honest paths from here: if your score crosses 620 — or your balance drops below 65% of value — we can revisit immediately. And in some cases a Home Equity Agreement (no monthly payments, credit from the 500s) can work where a loan can't.
See if an HEA fits → 📞 Call us to talk it through — 949-738-9770We can still do this — with a bigger down payment.
With a credit score below 620, our lenders can approve a purchase only when you bring at least 50% down, plus closing costs, out of pocket. If you can do that, we'll keep going right now — equity does the qualifying that credit can't.
Not sure? Call us: 949-738-9770
You're in! Now lock in your call.
Your scenario is in the queue. Pick a time below and we'll go over your options together — usually the same business day.
To make the call count, have these handy: your property address, a recent mortgage statement (or your payoff balance), and a ballpark of your credit score.
📅 Book My Call — Open CalendarPrefer to talk now? Call 949-738-9770 · 📅 Book a call
We're not the right fit for this one.
Based on your answers, we aren't able to offer a program for this scenario with a credit score below 620 at this time. If your score improves, we'd love to take another look — and you're always welcome to call us to talk through your options.
Call 949-738-9770FHA loans don't cover investment properties.
FHA is for owner-occupied primary residences only. For an investment property, our DSCR loans qualify on the rent — no tax returns, LLC OK.
See DSCR Loans →FHA loans require owner occupancy and mortgage insurance; loan limits vary by county. All loans subject to credit approval.
FHA Calculator · Purchase & Cash-Out · MIP & Escrow
Run your FHA numbers — with the real monthly costs.
See your loan amount, FHA mortgage insurance (MIP — FHA's version of PMI), and monthly escrow for taxes & insurance — the full picture most calculators skip.
Your FHA Loan
Monthly Costs Beyond P&I
Directional estimates only — not a rate quote or commitment to lend. Assumes a 30-year FHA loan: 1.75% upfront MIP financed into the loan and annual MIP auto-selected from your loan amount and LTV per HUD tiers — 0.50%/0.55% for base loans up to $726,200, and 0.70%/0.75% above that — paid monthly. FHA cash-out refinances are limited to 80% LTV and require owner occupancy and no late payments in the last 12 months. Escrow estimates use your tax rate and insurance figures; actual impounds set at closing. Principal & interest shown only at a rate you enter and is not an offer of that rate.
Can we fund your deal? Check before you apply.
We'd rather tell you now than waste your time. Here's our lending box, plainly stated.
We can help with:
- Financing at 620+ FICO — primary homes and investment properties
- DSCR investment deals at any credit score — LTV is capped by credit tier; below 620 FICO caps at 50% LTV
- Investment property refinances — flexible credit, conditional lending available below 620
- FHA requires no late payments in the last 12 months on all accounts (mortgage, cards, auto)
- Primary-home refinances under 620 FICO — California properties only
- HEA — credit accepted from the 500s; your FICO band sets the maximum OLTV (60–75%)
- Reverse mortgages — any credit score, primary residence, current balance under 50% of home value
- Loan amounts from $75,000 up to $20,000,000 (HELOC capped at $5M, DSCR at $3M, HEA at $600K)
We're not the right fit for:
- New financing under 620 FICO (except DSCR investment deals, capped at 50% LTV)
- Primary-home refinances under 620 FICO outside California
- Loan amounts under $75,000
If your score improves, come back — we'd genuinely love to take another look. Questions about a gray-area scenario? Call 949-738-9770.
Is FHA cash-out your best path to your equity?
Built for homeowners whose credit story needs a more forgiving read.
You have equity and a real-life credit history.
- Equity in your home — owner-occupied, 1–4 units
- Credit still rebuilding — FHA guidelines are forgiving
- Debt payoff first — consolidate cards and high-interest loans into one payment
- 620+ FICO through us
The rules that come with the program.
- Owner-occupied only — for investment properties, see our DSCR loans
- Mortgage insurance applies on FHA loans
- County loan limits cap the maximum amount
- 620+ FICO required through us
Tailored solutions for every scenario.
One conversation gets your scenario priced across a network of 100+ lenders — with the trade-offs explained straight.
HELOC
Up to 85% CLTV, funded in as little as 5 days, no appraisal required. $50K–$5M, owner or non-owner occupied, 1–4 units.
Check my equity →P&L Only Loan
Qualify with one CPA-prepared profit & loss statement. No tax returns, no bank statements, no deposit reviews. 660+ credit.
See P&L options →DSCR
The rent qualifies — not your income. Long or short-term rentals, personal name or LLC, no cap on properties. No minimum FICO.
Price my rental →Cash-Out & Investor Refinance
Replace your mortgage and take a lump sum, or reposition rental debt to free up trapped capital.
Compare my options →Long & Short-Term Rental
Financing for rentals of every flavor — including Airbnb and 2–4 unit multi-family.
See rental programs →Hard Money
Asset-based lending for deals that can't wait for a bank. Credit flexible — underwritten on the asset.
Fund my deal →VA Loan
Cash-out up to 100% LTV, plus IRRRL streamline refis with no appraisal, income docs, or minimum FICO. Veteran-first guidance.
See VA options →FHA Loan
Flexible qualifying on your primary residence with credit from 620. A practical path to your equity.
See FHA options →Reverse Mortgage
Primary residence, any credit score, current balance under 50% of value. Access equity without a monthly mortgage payment.
Check my eligibility →HEA
No monthly payments, up to $600K. Your FICO band sets the max OLTV — 60–75%, all lien positions considered.
Price my scenario →Landlord Insurance
Quote and bind rental-property coverage in minutes through our partner Steadily — so your closing never waits on a policy.
Get an insurance quote →Let the funnel decide.
Answer a few quick questions and we'll route your scenario to the right program — 60 seconds, no hard credit pull.
Find my program →
Non-QM is our specialty.
Cap Rate Funding is a team of non-QM lending experts based in Irvine, CA. When the banks say no, we usually have a yes — DSCR, P&L-only, bank-statement, HELOCs, hard money, and home equity agreements are what we do all day, backed by a network of over 100 wholesale lenders.
When you reach out, your scenario goes straight to our team — no call centers, no hand-offs. We'll tell you quickly whether we can help, what it'll roughly cost, and what we'd need from you. And if a loan doesn't make sense for your situation, we'll tell you that too.
Recently funded deals.
Real closings across the country — including P&L-only and DSCR loans the banks passed on.
| Deal Type | Location | Loan Amount |
|---|---|---|
| Profit & Loss Loan | Cedarville, NJ | $175,000 |
| DSCR | Denver, CO | $290,000 |
| Hard Money | San Pedro, CA | $433,000 |
| DSCR | Boise, ID | $375,000 |
| Hard Money | San Francisco, CA | $375,000 |
| DSCR | Phoenix, AZ | $243,750 |
| DSCR | Lehigh Acres, FL | $240,800 |
| DSCR | Del Haven, NJ | $266,250 |
"Chase truly made the process feel effortless and straightforward. The communication was excellent throughout, and I was impressed by the speed and experience he demonstrated."
Google Review · HELOC client"Chase made our HELOC process incredibly easy, smooth, and fast from start to finish. Excellent communication, professional service, and quick turnaround."
Google Review · HELOC client"Fast, reliable, and very honest. Throughout the loan process, I always knew what the next step was. I truly appreciate the professionalism and support!"
Google Review · Investor clientGo beyond with Cap Rate Funding.
Initial Consultation
Share your scenario — refinance or cash-out — and we'll assess your needs. 60 seconds online or one phone call.
Customized Solutions
Your scenario priced across 100+ lenders, with options tailored to your goals.
Application & Approval
Complete your application and receive fast approvals — often with fewer documents than you'd expect.
Closing & Beyond
Seamlessly close your loan and enjoy continued support on the next one.
Lending nationwide.
Looking for lending in a state not listed on our coverage map? We lend in other states on a case-by-case scenario — give us a call to see what we can do for you.
Call 949-738-9770Before you ask.
Will checking my options hurt my credit?
No. Seeing your options involves no hard credit pull. A hard inquiry only happens later, with your permission, when you move forward with an application.
How fast can I actually get funded?
It depends on the program. Our HELOC can fund in as little as 5 business days. Other programs typically run 2–4 weeks. On your call we'll give you a realistic timeline for your exact scenario.
What does this cost me?
Checking your options costs nothing and commits you to nothing. If you proceed, all program costs are disclosed to you up front before you sign anything — no surprises at closing.
What happens to my information?
It goes to our team — and only our team — to price your scenario. We never sell your information to third parties. See our Privacy Policy.
I'm self-employed and banks keep saying no. Can you help?
That's our specialty. P&L-only loans need one document from your CPA — no tax returns, no bank statements. DSCR loans qualify on the rent, not your income. And our HEA accepts credit from the 500s.
Fast. Flexible. Funded.
Whether you're tapping equity or repositioning the portfolio — check your options in 60 seconds, with no hard credit pull.