Express Capital Financing: published loan terms
Express Capital Financing publishes terms for fix and flip, ground-up construction, DSCR rental and rental portfolio loans. Its fix-and-flip rates start at 10% and its DSCR rental rates at 6.25%, as advertised on its website on October 24, 2026.
Fix-and-flip terms
| Starting rate | FAQ: 'Rates can range from 10% to 12%.' (the 'Rate and Terms Overview' table on the page failed to load: 'Unable to load this table right now.') |
|---|---|
| Loan to purchase / cost | Asset-based loans up to 90% acquisition, 100% renovation cost |
| Rehab funded | 100% ('ECF funds 100% of the renovation cost') |
| Cap on after-repair value | Not published |
| Points | Not published |
| Term | 'They are short term (12 months) with no PPP' |
| Minimum credit score | 600 ('Our minimum credit score is currently 600. Anything lower can be discussed on a case-by-case basis.') |
| Experience | No ('Express Capital Financing is happy to work with beginners') |
On the calculator's example flip, with the loan sized the way the calculator sizes it ($244,000 over 6 months), interest alone at Express Capital Financing's advertised starting rate of 10% would be about $10,825, against $11,366 at the example's 10.5%. Express Capital Financing doesn't publish its points, so they aren't compared here. Your rate depends on experience, credit, loan size and the property; the starting rate is a floor, not a quote.
DSCR rental terms
| Starting rate | Starting at 6.25%+ |
|---|---|
| Purchase / rate-and-term LTV | Up to 85% for purchase; 80% for rate-and-term refinancing |
| Cash-out LTV | 75% for cash-out refinancing |
| Minimum DSCR | 1.0x (No DSCR Available) |
| Minimum credit score | 650 |
| Loan size | $50,000 to $3,000,000 |
| Terms | 5/30, 7/30, 10/30, Fixed 30/30 |
Where Express Capital Financing lends
We are proud to say that lend nationwide across the United States with the exception of ND, SD, NV, AZ. (FAQ answer to 'In which states does ECF offer Fix and Flip Loans?')
Loan size
Not published on the pages we read.
Other details from its website
Fix and flip: no prepayment penalties; 'Non-credit-sensitive, approval in 24 hours'; no proof of income or bank statements required; experience counted only for properties held in borrower's name/LLC. DSCR: 1-9 unit residential; points 1.5%+; prepayment penalty options 'None, 1.0.0 or 3.0.0, 3.2.1 or 5.4.3.2.1'; foreign nationals eligible; rehab financing not available. FAQ states ECF pays referral fees on closed loans 'under local rules and regulations'.
Licensing disclosure
We did not find license numbers on the pages we read. Ask the lender, or search the NMLS Consumer Access site.
Source
Read on 2026-10-24 from expresscapitalfinancing.com. The pages show no as-of date. Terms change often. Fix and Flip Loans is not affiliated with Express Capital Financing, and Express Capital Financing did not review this page.
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