About Us
Business Purpose. Done Right.
We are a commercial non-NMLS broker originating business purpose loans in thirty eight states. With your real estate business in mind, we’re here to provide solution oriented results in an efficient manner.
Whether you’re looking for a DSCR, renovation or blanket loan, we’re here to help.
At CTC Funding, we specialize in DSCR (Debt Service Coverage Ratio) loans tailored for real estate investors looking to scale with confidence. With coverage in 38 states, we make it easy to secure financing based on the income potential of the property—not your personal income.
Whether you're growing your rental portfolio, refinancing existing assets, or acquiring your first investment property, we provide flexible DSCR loan solutions designed to move at the speed of opportunity.
Why investors choose CTC Funding:
No income verification — approvals based on rental property cash flow
Nationwide reach — serving clients in 38 states
Fast closings — because great deals don’t wait
Investor-focused — we understand the unique needs of real estate professionals
Our mission is simple: empower investors with funding solutions that work for them. At CTC Funding, we cut through red tape, simplify the process, and deliver financing that helps you build long-term wealth through real estate.
Ready to take the next step?
Let’s fund your next investment.
(Frequently Asked Questions (FAQ)
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A DSCR (Debt Service Coverage Ratio) loan is a business-purpose mortgage that qualifies borrowers based on rental income—not personal income. It’s ideal for real estate investors looking to scale without traditional income verification.
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Anyone investing in rental or income-producing properties may qualify. This includes self-employed individuals, ITIN holders, foreign nationals, and investors without W-2 income.
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No. DSCR loans focus on the cash flow of the property. There’s no need to verify your job, income, or tax returns.
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We finance single-family rentals, multi-units (up to 8), short-term rentals (Airbnb/VRBO), and mixed-use properties.
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Yes! We offer custom solutions for foreign nationals, ITIN holders, and non-permanent residents, even if you have limited U.S. credit history.
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Typically, a minimum 620 credit score is required, but this may vary depending on the product, property, and DSCR score.
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DSCR is calculated by dividing the property’s gross rental income by its total monthly debt payments. A score of 1.0 or higher means the property covers its expenses.
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Minimal reserves may be required. Down payment requirements vary, but we offer financing up to 80% LTV (Loan-to-Value).
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Many of our investor-friendly loans can close in 10–21 business days, depending on your readiness and the complexity of the deal.
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Absolutely. We offer refinancing and cash-out options for seasoned rental properties and investment portfolios.
Why Work With Us?
Investor-Focused: We understand real estate from an investor’s point of view.
Flexible Underwriting: DTI not applicable. Income docs optional.
Solutions for All: ITIN holders, foreign nationals, and non-permanent residents welcome.
Strategic Guidance: Beyond funding, we help structure your deals.
Speed & Simplicity: Streamlined processes to help you close faster.
What Sets Us Apart
We’re more than mortgage brokers — we’re your financing partners. We combine deep industry expertise with a hands-on approach to deliver tailored loan products and real guidance for long-term investment success. Whether you're just starting or scaling your portfolio, we walk the journey with you.
Let’s Grow Together
We’re more than mortgage brokers — we’re your financing partners. We combine deep industry expertise with a hands-on approach to deliver tailored loan products and real guidance for long-term investment success. Whether you're just starting or scaling your portfolio, we walk the journey with you.