Cape Henry Capital -

Frequently Asked Questions

Here you'll find answers to common questions about our financing solutions for real estate investors. Can't find what you're looking for? Contact us for an expert loan consultation—we're here to help guide you through your financing options.

Our Loan Products

What types of loans does Cape Henry Capital offer?

We understand that every real estate investment is unique, which is why we specialize in customized financing solutions. Our primary loan products include:

• DSCR Rental Loans: For purchasing or refinancing rental properties, qualifying based on the property's cash flow instead of your personal income.

• Bridge Loans: Short-term, interest-only financing to help you acquire property quickly, fund renovations, or access equity for your next investment.

• Purchase Loans: To facilitate the rapid acquisition of investment properties for "Fix & Flip" or rental strategies.

• Construction Loans: Funding for projects ranging from single-lot new builds and tear-downs to multi-unit developments.

What is a DSCR loan?

DSCR stands for Debt Service Coverage Ratio—but what does that really mean for you as an investor? A DSCR loan is designed specifically for real estate investors. It uses the rental income generated by the property to qualify for the loan, rather than relying on your personal W-2s or tax returns. This approach makes it significantly easier for investors to build and scale their rental portfolios without the traditional income documentation hurdles.

Who is a bridge loan for?

Are you looking for quick access to capital? A bridge loan is ideal for investors who need short-term financing. Common uses include purchasing a property that needs renovation before it can qualify for long-term financing (a "Fix & Flip"), securing a new property before selling an existing one, or quickly accessing equity from a property you already own.

Application & Approval Process

How do I apply for a loan?

Getting started is easier than you might think. Our application process is designed to be fast and straightforward—you can begin by filling out our online form to get a quote or pre-qualified. The initial application takes less than 10 minutes to complete, removing the traditional barriers that slow down your investment momentum.

How long does it take to get approved?

Speed matters in real estate investing, and we understand that. We pride ourselves on our rapid approval process. After submitting your initial application, you can receive an instant pre-qualification letter. We aim to provide detailed loan evaluations and multiple options for you to review within 24 hours—because opportunities don't wait.

What makes your approval process different?

Here's what sets us apart: we fast-track the funding process by allowing you to work directly with decision-makers. Our expert team leverages over 60 years of combined real estate and finance expertise to provide fast, transparent, and efficient service from your first quote to closing day. No endless back-and-forth or confusing middlemen.

What states do you operate in?

Cape Henry Capital proudly operates nationwide, providing tailored financing solutions to real estate investors across the United States.

Eligibility & Loan Details

Do I need personal income to qualify for a loan?

This is one of the most common questions we hear, and the answer might surprise you. For our DSCR Rental Loans, the primary qualification factor is the property's ability to generate enough income to cover its debt payments. This is particularly beneficial for self-employed investors or those with complex income situations who may struggle with traditional lending requirements.

Are these loans for my primary residence?

No—and this is an important distinction to understand. Our loan products are offered for business or commercial purposes only and are secured by non-owner-occupied investment properties. This focus allows us to provide specialized solutions tailored to investment strategies rather than homeownership.

What kind of down payment is required?

Down payment requirements vary based on the loan product and specific details of your deal. A common myth is that a 20% down payment is always required, but there are strategies and loan structures that may require less. The best way to understand your options? Let's discuss them during your consultation.

What are the fees associated with a loan?

Transparency is fundamental to building trust with our clients. Any origination fees or other costs will be clearly outlined for you upfront. Our goal is to ensure you understand every aspect of the financing before you commit—no surprises, no hidden costs.

Tools & Resources

What is the DSCR Loan Calculator?

Our free DSCR Loan Calculator is a powerful tool designed specifically for real estate investors like you. It helps you run professional-grade calculations to analyze a property's cash flow, potential returns, and Debt Service Coverage Ratio (DSCR)—taking the guesswork out of your investment analysis.

How can the loan calculator help me?

Think of it as your investment analysis partner. By inputting details like the purchase price, rent, and expenses, you get instant insights to determine if a property meets lender criteria. It helps you quickly compare deals, estimate your down payment and closing costs, and make smarter investment decisions without the manual number-crunching that can slow you down