About Cap Rate Funding. When banks say no, we usually have a yes.
A non-QM lending team in Irvine, California — brokering DSCR, P&L-only, HELOCs, hard money, and home equity agreements across a network of 100+ wholesale lenders.
Chase Zhao
President · Mortgage Broker · NMLS #1816148
Chase leads Cap Rate Funding, a team of non-QM lending specialists based in Irvine, CA and powered by Federal First Lending LLC (company NMLS #2381991). The firm’s specialty is the file a bank can’t read: the self-employed borrower whose write-offs hide real income, the investor scaling past conventional limits, the homeowner who needs equity this week rather than next month.
Two flagship programs define the practice: a HELOC that taps up to 90% of a home’s value with no appraisal and funds in as little as 5 business days, and the P&L Only Loan that qualifies self-employed borrowers with a single profit & loss statement — no tax returns, no bank statements. Around them sit DSCR, rental, hard money, HEA, and conventional programs, priced against 100+ wholesale lenders so one conversation shows the trade-offs straight.
Clients rate the experience 5.0 on Google.
How we work
Checking your options takes 60 seconds and a soft credit pull — no hard inquiry until you choose to apply. Your scenario is priced across the lender network, the trade-offs are explained plainly, and your information is never sold to third parties. If we’re not the right fit, we say so and point you at the route that is.
Licensing & contact
| Company | Cap Rate Funding, powered by Federal First Lending LLC — NMLS #2381991 (NMLS Consumer Access) |
| Loan originator | Chase Zhao — NMLS #1816148 |
| Office | 100 Spectrum Center Drive, Suite 936, Irvine, CA 92618 |
| Direct (call & text) | 949-738-9770 |
| chase@capratefunding.net | |
| @capratefunding — real closings, posted as they fund | |
| Where we lend | State availability by program |
Equal Housing Opportunity. All loans subject to credit approval; rates and terms depend on credit profile, LTV, property type, and loan specifics.