Lender profile
FundLoans
hard money
Verified Sep 17, 2026
FundLoans is a broker-only DSCR lender with a $200,000 minimum and $6,000,000 maximum loan size — the largest maximum among the lenders added to this directory in September 2026. Minimum credit score is 660 with a 0.75 minimum DSCR. Maximum LTV is 80% on purchase/rate-term and 75% on cash-out refinance. The company does not publish rate or state-coverage figures in the sources reviewed. FundLoans is a hard money lender, describing its footprint as "states not publicly disclosed".
For a rental investor, the products on file are rental DSCR. On the deal itself, FundLoans publishes loan sizes from $200,000 to $6,000,000 and leverage up to 80% LTV / 80% LTC. FundLoans originates exclusively through mortgage brokers — a borrower cannot apply directly.
No SEC filing establishes a corporate-ownership relationship for FundLoans— the ordinary case for a privately held company with no public debt or equity outstanding, not a sign of anything irregular. Its published lending figures were last checked against a source it published on Sep 17, 2026.
Published facts
Loan size
$200,000 – $6,000,000
Max LTV
80%
Max LTC
80%
Min credit score
660
Min DSCR
0.75
Channel
Broker only
FundLoans 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.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — FundLoans is privately held and files nothing with the SEC under its own name, or no filing naming it was found. This is the expected, normal case for the large majority of lenders on this site, not a red flag.
MFA Financial's hits are generic phrase matches ('fund loans') in underwriting-agreement exhibits, not a named relationship with the entity FundLoans; MFA's confirmed lender subsidiary in this file is Lima One Capital, not FundLoans.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What FundLoans has not published
Publishing lending criteria is optional, and plenty of good lenders choose not to put every figure in writing — so read this as a list of what to ask FundLoans about, not as a criticism. Of the 11 criteria categories this directory tracks, FundLoans has not published 6:
- Rate range (22 of 38 lenders here publish it)
- Points range (21 of 38 lenders here publish it)
- State-coverage count (14 of 38 lenders here publish it)
- Entity / vesting requirement (3 of 38 lenders here publish it)
- Loan terms (21 of 38 lenders here publish it)
- Typical close time (21 of 38 lenders here publish it)
Products
- rental DSCR — a 30-year rental loan qualified on the property's own rent-to-payment ratio rather than the borrower's tax returns See the glossary entry.
Strengths
- Largest maximum loan size among the lenders added to this directory in September 2026 ($6,000,000)
- Broker-only origination
- 0.75 minimum DSCR
- 75% LTV on cash-out refinance
Who this lender suits
Broker-originated borrower financing a large-balance DSCR loan up to $6,000,000.
Deal scenarios FundLoans clears
FundLoans's published criteria clear 8 of the 119 deal scenarios this site tests — computed the same way every /loan-for/ page computes its own roster, from the stored fields above, not curated by hand. A scenario only counts here if its numeric rules actually narrowed the lender pool; scenarios that match on product tags alone are left out.
Credit and qualification (1)
Cash flow and DSCR (1)
Purpose and structure (4)
Leverage and pricing (2)
How FundLoans compares
FundLoans is not among the 9 lenders this site runs head-to-head comparison pages for — that roster is chosen by brand-name search volume in Search Console, not by hand-picking who looks good next to whom. The full directory lets you set FundLoans's published figures side by side with any other lender's profile directly. Open the directory.