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. Mortgage Capital Funding 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, Mortgage Capital Funding publishes loan sizes from $150,000 to $3,000,000 and leverage up to 80% LTV / 80% LTC. Mortgage Capital Funding originates exclusively through mortgage brokers — a borrower cannot apply directly.
No SEC filing establishes a corporate-ownership relationship for Mortgage Capital Funding— 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
$150,000 – $3,000,000
Max LTV
80%
Max LTC
80%
Min credit score
660
Min DSCR
0.75
Channel
Broker only
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.
Verification record
Reviewed Sep 25, 2026
⬜ No SEC filing to check against — Mortgage Capital Funding 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.
1,026 hits are legacy 2000s-era CMBS securitization trusts (Bear Stearns, Morgan Stanley, Prudential Securities) that used 'Mortgage Capital Funding' as generic deal language for a shelf originator, not today's lender of the same name; no SEC registrant relationship found.
✅ Published criteria verified — Sep 17, 2026.
⬜ Regulatory complaint check — not yet run.
What Mortgage Capital Funding 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 Mortgage Capital Funding about, not as a criticism. Of the 11 criteria categories this directory tracks, Mortgage Capital Funding 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
- 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.
Deal scenarios Mortgage Capital Funding clears
Mortgage Capital Funding's published criteria clear 6 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 (3)
Leverage and pricing (1)
How Mortgage Capital Funding compares
Mortgage Capital Funding 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 Mortgage Capital Funding's published figures side by side with any other lender's profile directly. Open the directory.