Cap Rate Funding

Got it — 83 submissions is the correct September number, not 73. I’d update the Instagram recap to:

SEPTEMBER 2026 | CAP RATE FUNDING 🚀

September was a monster month for Cap Rate Funding.

🏡 45 DEALS FUNDED
💰 $8.65 MILLION FUNDED
📈 $200K+ REVENUE GENERATED
🔑 39 SECOND MORTGAGES CLOSED

And we didn’t stop at what funded.

THE NEXT WAVE IS ALREADY IN MOTION:

📂 83 FILES SUBMITTED TO LENDERS
💵 $18.01 MILLION IN SUBMITTED LOAN VOLUME
🔥 $444K IN POTENTIAL GROSS REVENUE

Behind those numbers are real clients with real situations.

Clients looking to access equity without touching their existing first mortgage. Borrowers needing to consolidate debt. Self-employed clients with complicated income. Properties and scenarios that don’t fit neatly inside the traditional lending box.

And clients who came to us after another lender couldn’t get the deal across the finish line.

That’s what Cap Rate Funding is built for.

September wasn’t just about what we closed.

It’s about what we’re building.

45 funded transactions this month, with another 83 files submitted to lenders representing more than $18 million in financing requests.

More options. More solutions. More ex*****on.

Thank you to every client who trusted us and everyone behind the scenes making these deals happen.

45 FUNDED | $8.65M
83 SUBMITTED | $18.01M

October—we’re coming. 🔥

CAP RATE FUNDING
More Than Numbers. More Than Loans.

🏡 JUST FUNDED | HELOC BRIDGE LOAN

Sometimes the lowest rate doesn’t matter if the loan never closes.

Our client had been working with their credit union for over a month because they were offering a better rate.

Unfortunately, during that process, the client lost their job—and the credit union could no longer fund the loan.

That’s when Cap Rate Funding stepped in.

The client already had a new job lined up and is currently negotiating a higher compensation package, with a scheduled start date in December. The challenge was getting them through the transition period.

We were able to structure a HELOC as a bridge, using qualifying average historical income rather than simply treating their current income as $0.

✅ HELOC successfully funded
✅ Provided liquidity during the employment transition
✅ New job already lined up
✅ Structured around the client’s unique situation
✅ Got the client to the finish line

This is why ex*****on matters.

A great rate on a loan that never funds doesn’t solve the problem. Sometimes the right financing is the financing that actually works when you need it.

At Cap Rate Funding, we specialize in finding solutions when traditional lending guidelines don’t fit the entire story.

📧 [email protected]
🌐 CapRateFunding.net

🔥 FIRST 30 DAYS AT CAP RATE. 6 DAYS A WEEK. SUNDAY IS FOR GOD. 🙏

James Cho came to Cap Rate Funding from Mortgage X with experience, hunger, and something to prove.

Give a motivated loan officer the right leadership, lender access, support, and environment — and watch what happens.

In his first 30 days at Cap Rate Funding:

📂 29 Loans Submitted
🏦 $5,554,579 in Loan Volume
✅ 12 Loans Funded
💰 $44,961.26 in Funded Revenue
⏳ 13 Files Still Active
🎯 86% Pull-Through

And James did it working 6 days a week — because Sunday is for God.

The work ethic was already there. Our job was to give him the platform and support to maximize it.

Now we’ve added Matthew Ha to Cap Rate Funding, and he’s coming in with that same hunger. He’s pushing just as hard and ready to build something special alongside the team.

We’re not looking to build the biggest team.

We’re building a team of producers.

Different backgrounds. Same mentality.
Work hard. Serve clients. Produce results.

And we’re just getting started. 📈

James Cho | Cap Rate Funding
[email protected]
James.capratefunding.net

🏡 JUST FUNDED | P&L / STATED INCOME LOAN

Another broker offered our client a hard money loan because it was the easiest way to get the deal done.

But we don’t look for the easiest path.

We look for the financing structure that makes the most sense for our client.

The hard money option they were offered:

❌ 12% interest rate
❌ 5 points origination
❌ 1–2 year loan term
❌ A deadline to refinance, sell, or pay off the loan

Instead, we structured:

✅ 8.5% rate
✅ Only 1 point
✅ 30-year loan term
✅ NO prepayment penalty
✅ No hard-money exit deadline
✅ We paid for the appraisal upfront

One of the keys to making the deal work was that the client’s daughter had strong credit and was already on title. We were able to structure the financing under her name using a P&L / stated-income program.

But the biggest win wasn’t just the lower rate or lower fees.

It was giving the client flexibility while minimizing their upfront risk.

We were confident in the structure, so we covered the appraisal cost upfront rather than asking the client to spend money on an appraisal while wondering whether the loan could actually make it to the closing table.

Instead of expensive short-term hard money with a 1–2 year deadline, the client now has a 30-year loan with no prepayment penalty.

They can refinance, sell, or pay the loan off when it makes sense for them — not when a hard-money maturity date tells them to.

And the best part?

The client was so happy with the experience that they already shared our contact information with 3 of their friends.

That referral means more to us than simply closing another loan.

At Cap Rate Funding, we have access to multiple lending options so we can focus on finding the right structure for the client — not simply the easiest loan for us to close.

More Than Numbers. More Than Loans.

🚀 LOAN OFFICER SPOTLIGHT | JAMES CHO

James Cho has been putting up serious numbers since joining Cap Rate Funding — and the pipeline continues to grow.

Less than 30 days with Cap Rate:

💰 $4,688,861 in loan volume submitted
📂 23 loans submitted to lenders
💵 $105,081 in total submission revenue
✅ 6 loans funded
💰 $28,512 funded revenue
🔥 $60,584 in active pending revenue
📈 78% pull-through rate

His management is part of his success but what stands out most is the consistency. Always showing up before 8am is key to his success. 🔥🔥🔥

James came in ready to work, learn the Non-QM space, and build a serious pipeline. With 12 files still active, there is a lot more production sitting in the pipeline.

At Cap Rate Funding, our goal isn’t simply to add loan officers. We want to give the right LOs the products, lender access, marketing, technology, and support needed to actually produce.

James is showing what can happen when the right LO gets the right platform.

$4.68M+ submitted. $105K+ revenue opportunity. And we’re just getting started.

RealEstateInvesting

🚨 NEW ADDITION TO THE CAP RATE FUNDING TEAM

Please welcome our newest Non-QM Specialist to Cap Rate Funding! 🎉

We’re excited to have Matthew Ha joining the team and bringing his expertise in Non-QM and creative financing solutions to our growing organization.

Matthew will specialize in helping borrowers who may not fit the traditional mortgage box — including:

🔹 Bank Statement Loans
🔹 P&L-Only Programs
🔹 DSCR & Investor Loans
🔹 Asset-Based Financing
🔹 HELOC & HELOAN Solutions
🔹 Creative Non-QM Financing

At Cap Rate Funding, we believe every borrower deserves to have their situation properly understood before being told “no.”

Matthew joins a team focused on finding solutions, executing quickly, and helping our clients get to the finish line.

Welcome to the team, Matthew!
We’re excited to see what you accomplish. 🚀

CAP RATE FUNDING
More Than Numbers. More Than Loans.

🏡 FUNDING SUCCESS | $300K HELOAN SECOND MORTGAGE

Just funded a $300,000 HELOAN second mortgage for a client who came to us after their previous lender couldn’t get the deal across the finish line.

The client was already deep into the process with the other lender when they discovered a major issue:

🚧 The property was under construction.

The original lender promised an appraisal-free process, but what they didn’t explain was that they still required an inspection report to determine the property value.

That wasn’t going to work for this project. The deal was essentially dead on arrival.

We took a different approach.

✅ Used a different desktop valuation
✅ Our desktop value came in $200K higher
✅ Structured the loan around the actual scenario
✅ Plaid income verification wasn’t an option, so we found another solution
✅ $300K HELOAN second mortgage funded
✅ First mortgage remained completely untouched

The client was able to access the equity they needed without refinancing their first mortgage or disturbing their existing rate.

We’re not a direct lender — and that can actually be an advantage.

Because we work with multiple lending sources, we can look at the overall scenario and structure the deal around the borrower, rather than forcing every deal into one lender’s box.

Not every “appraisal-free” loan is truly appraisal-free.
Not every lender has the same valuation options.
And not every deal needs to be dead just because one lender says no.

At Cap Rate Funding, we don’t focus on why a deal is difficult — we focus on finding a way to get it done.