What services does FundNow Capital offer?

FundNow Capital offers business funding, real estate investor financing (fix-and-flip, DSCR, bridge, commercial), working capital, equipment financing, lines of credit, merchant cash advances, tax preparation services, business credit building, and MCA debt relief — serving nearly every legal industry nationwide.

Are DSCR loans better than conventional loans?

For full-time investors, the self-employed, or anyone scaling past 10 properties, yes. DSCR loans skip income documentation and have no property-count limit. Conventional loans are cheaper but harder to qualify for and capped at 10 financed properties.

Are DSCR loan rates higher than conventional?

Yes, typically 0.5–1.5% higher than conventional investment mortgages. You're paying a premium for speed, flexibility, and no income documentation.

Can I refinance a conventional loan into a DSCR loan?

Yes. Many investors who max out at 10 conventional mortgages refinance some properties into DSCR loans (often in an LLC) to free up Fannie Mae slots for new acquisitions.

Which loan closes faster?

DSCR loans typically close in 13–21 days vs 30–45 for conventional. Less documentation means fewer underwriting cycles.

DSCR Loan vs Conventional Loan

Side-by-side comparison for real estate investors: rates, LTV, credit, documentation, and which one fits your portfolio strategy.

Quick Verdict

Choose DSCR if…

You're self-employed or 1099
You own 5+ rentals already
You want to borrow in an LLC
You're financing an Airbnb / STR
You need to close fast (under 21 days)

Choose Conventional if…

You have strong W-2 income
You own fewer than 10 properties
You want the lowest possible rate
The property will be your primary or 2nd home

Feature-by-Feature Comparison

Feature	DSCR Loan	Conventional Loan
Qualification basis	Property rental income (DSCR ≥ 1.0)	Personal income, W-2s, tax returns, DTI
Income documentation	None required	2 yrs W-2s, 2 yrs tax returns, pay stubs
Minimum credit score	620+	620+ (best rates 740+)
Max LTV (purchase)	80%	85% (investment) / 95% (primary)
Cash-out refi LTV	80%	70–75%
Number of properties	Unlimited	Capped at 10 financed (Fannie Mae)
Vesting	Individual, LLC, LP, Trust	Individual only
Short-term rentals	Yes — STR income accepted	Rare; underwritten as 2nd home
Self-employed borrowers	Easy — income irrelevant	Difficult — requires 2 yrs tax returns
Close time	13–21 days	30–45 days
Typical rate (Nov 2025)	Mid-7% range	Low-7% range

Not sure which fits your deal? Run the numbers first.

DSCR Calculator View DSCR Program

Frequently Asked Questions

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