Need Funding for Your Next Investment Property?

We help Real Estate Investors Get DSCR & Hard Money Loans - Fast!

No W-2s. No Tax Returns. Just Your Deal. Purchase OR Refinance

Our Products

Loan Terms are subject to change

Long Term DSCR Loans

Rental Loans

Rates as low as 6.00%
Up to 80% LTV
Up to 75% Cash Out
30 year terms with options for 5/1 ARM, 7/1 ARM and 10 years interest only

Short Term Bridge Loans

Fix & Flip Loans

Rates as low as 8%
Up to 100% LTC or 75% ARV
Up to 75% Cash Out
100% Rehab Budget Financing
No pre-payment penalty

Frequently Asked Questions

Have Questions?

🏡 What types of loans do you offer?

We offer Short-Term Bridge Loans for fix-and-flip investors and Long-Term DSCR Loans for rental property owners. Each product is tailored to support your unique investment strategy.

💰 What are your interest rates?

Bridge Loans: Rates starting at 9.5% DSCR Loans: Rates starting at 6.00% Actual rates depend on your property details, credit profile, and experience.

📈 What is a DSCR loan?

DSCR stands for Debt Service Coverage Ratio. It's a type of long-term financing based on your property's income—not your personal income. Great for buy-and-hold investors.

🧠 Do I need any experience to qualify?

No experience required! We work with both first-time and seasoned investors. Whether it’s your first deal or your fiftieth, we’ve got you covered.

📝 Do I need to show tax returns or W-2s?

Nope! Our process is asset-based, meaning we underwrite the deal—not your day job. No W-2s, pay stubs, or tax returns required.

⏱ How fast can I get funded?

You can get pre-approved within 24 hours, and we often close deals in 7–14 days, depending on title and appraisal.

Hey, I'm Bailey

I’m Bailey Kramer, founder of Investor First Capital. Alongside building this company, I’m also an active real estate investor, continually expanding my own rental property portfolio.

I started Investor First Capital after realizing how frustrating it can be working with lenders who don’t actually understand investing.

At Investor First Capital, my mission is simple: help real estate investors get the right funding so they can scale their portfolios with confidence. I’ve personally used strategies like BRRRR and mid-term rentals to grow my own business, and I know how important it is to have a financing partner who moves quickly, understands the numbers, and has your back.

When you work with me and my team, you’re not just working with a broker — you’re working with someone who’s in the trenches every day, still buying properties, chasing cash flow, and committed to helping you succeed.

I look forward to working with you,

– Bailey