Access billions in federal tax credits, HUD grants, USDA rural programs, and SBA loans designed to help investors build wealth while strengthening communities across America.
Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.
These programs provide significant financial benefits through tax reductions rather than direct cash — often saving investors hundreds of thousands of dollars.
The most significant federal incentive for developing affordable rental housing. Provides a tax credit to investors and developers who build or rehabilitate rental housing for low-income tenants.
Defer or eliminate capital gains taxes by reinvesting gains into designated economically distressed communities. Created by the Tax Cuts and Jobs Act of 2017.
An IRS rule (Section 1031) allowing investors to defer capital gains taxes by selling a property and reinvesting proceeds into a like-kind property within strict timelines.
Attracts private capital into low-income communities by providing a tax credit against federal income taxes for investments made in qualified community development entities.
Most HUD grants are administered through state or local governments — you typically apply at the city or county level to access these programs.
Provides grants to states and localities for building, buying, and rehabilitating affordable housing — often in partnership with for-profit and nonprofit developers.
Flexible federal funds used for neighborhood revitalization, affordable housing projects, and community infrastructure improvements in low- and moderate-income areas.
While technically a tenant subsidy, Section 8 provides a stable, government-backed revenue stream for landlords who agree to rent to low-income tenants at fair market rates.
Federal grants for energy-efficient upgrades to rental and residential properties, reducing operating costs and improving property value for owners.
For investors targeting rural areas, the USDA offers specialized financing and grants for affordable housing development.
Competitive financing for affordable rental housing serving low-income, elderly, or disabled individuals in eligible rural areas.
USDA partners with private lenders to provide guaranteed financing for affordable rental housing development in rural towns and communities.
Specific funding for developing housing for year-round and seasonal farm laborers in rural areas — available as both loans and outright grants.
If your real estate investment is for a business you operate, SBA loans offer better terms than traditional commercial loans.
Provides long-term, fixed-rate financing for major fixed assets — including purchasing land, existing buildings, and long-term equipment. Down payments as low as 10% with terms up to 25 years.
| Resource | Purpose |
|---|---|
| Grants.gov | Official portal to search for federal grant opportunities |
| GovLoans.gov | Official gateway to federal loan information |
| SAM.gov | Registration required for many government contracts and grants |
| HUD.gov | Department of Housing and Urban Development programs |
| USDA Rural Development | Rural housing and community programs |
| State Housing Agencies | Local distribution of federal funds (LIHTC, HOME, etc.) |
Navigating government programs can be complex. Our team helps you identify qualifying programs, structure deals that combine public incentives with private financing, and move quickly when opportunities arise.
We analyze your deal to identify every federal and state program you may qualify for.
Combine government incentives with bridge loans, DSCR loans, or construction financing for maximum leverage.
While government programs process, we provide private capital to keep your project moving.
Tell us about your project and our team will identify programs you may qualify for — plus complementary private financing options.
Explore local LIHTC programs, Opportunity Zones, and city-specific incentives in your market.