How to Apply
Hard Money & DSCR
Mostly one-tap answers, no documents and no credit pull. Your term sheet fills in on screen while you answer, and it's priced and waiting in your portal the moment you submit.
As of October 2026 it costs $0 to apply, with no credit pull and no documents to start, on business purpose loans only.
Under contract, take the term sheet. Still shopping, take a pre-approval letter. Just curious, run the numbers with no application at all.
A fix and flip is 10 screens. Two ask you to type: the deal numbers, and who you are at the very end. Credit is a dial. Everything else is one tap.
You type here. Rough estimates are fine on the deal numbers.
Type the price and the loan, fees and cash to close appear beside you. The rate stays TBD until you give a credit score, because that's what sets it.
Slide in the cash you can reach. The application adds up what this exact deal needs and tells you yes or no before you send anything.
$49,887 needed for this deal · $60,000 entered · covered
Same sample deal. Reserves are $12,682 of interest and $13,500 held against the rehab. A preliminary check: the file is confirmed with your bank statements later.
The application runs on what you already know. Paperwork waits until you're under contract.
| To apply | Later, under contract | |
|---|---|---|
| You | Name, email, phone. Your LLC's name if you have one. | Government ID, LLC documents and EIN |
| The deal | Address, rough price, rehab and ARV | The contract and your rehab budget |
| Money | Your estimated credit score and the cash you can reach | Two months of bank statements, insurance |
| DSCR | Rent, taxes, insurance and HOA. Leave taxes or insurance blank and they're estimated. | Never asked: tax returns, W-2s or pay stubs |
Shopping for a house first? A pre-approval letter takes your most recent bank statement (or a balance screenshot) and the name you buy under.
Submit and you land in your borrower portal, with the priced term sheet and the broker fee agreement ready to sign in the browser. Then come documents, conditions and status, all in one place.
Land, lines of credit and a DSCR loan with no rent yet are priced by hand instead, usually within a few hours.
About five minutes on our site. Since late September 2026, the typical application has been submitted in under five minutes. A fix and flip is 10 screens, most of them one tap, and the term sheet is ready the moment you submit.
Your name, email and phone, the property address with a rough purchase price, rehab budget and after repair value, your estimated credit score, and how much cash you can reach. No documents. Bank statements, ID, LLC documents and the contract come later, once you're under contract.
Yes. The term sheet fills in beside the questions as you answer, and the structure step shows every down payment option priced for your credit and experience before you submit. The card you pick is the term sheet you get.
No. You give an estimated score and the terms are priced from it. The lender pulls credit once, later, in underwriting, and that step shows on your conditions checklist in the portal.
No. Add your LLC's name if you have one, or leave it blank. The loan closes in an LLC, so you'll set one up before closing, and we can point you to how.
No. A DSCR loan qualifies on the property's rent, so the application asks for the rent, annual taxes, insurance and HOA instead. Leave taxes or insurance blank and they're estimated. No tax returns, W-2s or pay stubs.
Your answers are saved on that device for 7 days. Come back to the apply page and a prompt in the bottom corner picks up where you left off.
No. Enter the same email and we send a 6-digit code to it. Once it's confirmed you can pick an earlier deal to start from, and the new application lands in the same portal.
No. It's a preliminary term sheet, priced at terms we know we can deliver for a deal like yours. Capital Kings LLC is a broker, not a lender: the funding lender approves the loan after an appraisal, title work and a full file review, and sets the final terms.
No. Applying, the term sheet and the portal are free. Capital Kings earns one broker fee, 1% of the loan amount with a $2,000 minimum and a $10,000 maximum (open to negotiation on bigger loans), only when a loan closes, and it's printed on the term sheet before you sign anything.
Five minutes, no documents, no credit pull. The term sheet is ready when you are.