Lender profile
Mortgage Capital Funding
hard money
Verified Sep 17, 2026
Mortgage Capital Funding is a broker-only DSCR lender offering a no-ratio program alongside standard DSCR underwriting (0.75 minimum DSCR, 660 minimum credit score). Maximum LTV is 80% on loans up to $1,500,000 for borrowers with a 700+ credit score; overall loan size runs $150,000 to $3,000,000. The company does not publish rate or state-coverage figures in the sources reviewed.
Published facts
Loan size
$150,000 – $3,000,000
Max LTV
80%
Max LTC
80%
Min credit score
660
Min DSCR
0.75
Channel
Broker only
Terms
Not publicly published
Close time
Not publicly published
Mortgage Capital Funding does not publish a state-coverage count. Its stated geographic focus is “states not publicly disclosed” — a description of intent, not a confirmed licensure claim.
Products
Strengths
- No-ratio DSCR program available
- Broker-only origination
- 80% LTV up to $1,500,000 at 700+ credit score
- 0.75 minimum DSCR
Who this lender suits
Broker-originated borrower with 700+ credit score seeking maximum leverage up to $1.5M, or a no-ratio DSCR deal.