Real estate is one of the most powerful wealth-building tools — but success starts with the right financing. Whether you’re purchasing a rental property, funding a fix-and-flip, or investing in short-term rentals, Fund USA Corp has tailored solutions for you.
We partner with top wholesale lenders to deliver fast, flexible, and investor-friendly loan programs. Our dual role as mortgage broker and real estate professional means we understand your deal from every angle.
A DSCR (Debt Service Coverage Ratio) loan qualifies based on the rental income a property generates not your personal W-2 income or tax returns. Designed specifically for real estate investors.
We analyze your target property's rental income or projected rent, calculate the DSCR, and match you with wholesale lenders offering the best rates for your investment strategy.
Single-family rentals, 2–4 unit properties, short-term rentals (Airbnb/VRBO), multi-family (5+ units), and fix-and-flip projects across California and Hawaii.
Schedule a free strategy call. Bring your target property address and we'll run the numbers on the spot cap rate, DSCR, projected cash flow.
Real estate investing is a proven wealth-building strategy, but your returns depend entirely on the financing structure you use. At FundUSACorp, we specialize in investment property financing that maximizes your cash flow and scales with your portfolio.
As a dual-licensed Mortgage Broker and Real Estate Broker, we see your investment from every angle not just the loan. We’ll help you identify the right property type, run the numbers on projected returns, and structure financing that makes the deal pencil.
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STEP 1: Identify Your Property
Provide the property address or target area. We’ll research current rental rates and calculate the expected DSCR.
STEP 2: Run the Numbers
DSCR = Annual Rental Income ÷ Annual Debt Service (mortgage payments). Most lenders require a DSCR of 1.0 or higher. We’ll show you exactly where your deal stands.
STEP 3: No Tax Returns Required
DSCR loans do not require personal income documentation, W-2s, or tax returns. Qualification is based on the property ideal for investors with complex financials or multiple properties.
STEP 4: Fast Approval
Because the qualification process is streamlined, DSCR loans often close faster than conventional investment loans. We’ll keep your deal on schedule.
Most lenders require a minimum DSCR of 1.0 (income covers debt payments). Some programs allow 0.75–0.99 with a higher down payment. We’ll tell you exactly where your deal stands before you apply.
A2 Yes. Most DSCR lenders will use a market rent appraisal (Form 1007) to determine the property’s rental income potential so you can qualify even on a vacant property.
DSCR loans typically require 20–25% down. Some short-term rental programs allow 15% down with strong DSCR. Fix-and-flip bridge loans vary by lender.
Yes. We have lender programs that specifically allow short-term rental income for DSCR qualification. Hawaii vacation rental properties are eligible. We verify local STR regulations for each property.
DSCR loans are portfolio-friendly. Unlike conventional loans (which cap out at 10 financed properties), DSCR programs through private lenders have no strict portfolio limits ideal for scaling investors.
