Gapital

Real Estate Investors

Simple funding for your rental properties

Want to finance a new purchase, refinance a property, or free up cash in your rental portfolio? Gapital makes rental financing easy.
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Gapital Mortgage Get Pre-approved

Rental Property Loans On-demand

Competitive Rates

Maximize your returns with necessary capital, competitive rates and a variety of loan options.

Speedy & Simple Process

Complete your application and any requirements in minutes on our advanced mobile-friendly platform.

Flexibility

A variety of loan options and a professional will structure the right deal for you and simplify the process.

Our process is designed for you.

Constant online access makes creating your rental property financing convenient and easy.

1. Answer some questions

Answer some basic questions, and securely upload your financial info with the click of a button.

2. Tailor your options

Have a specialist help you make a decision that’s perfect for you.

3. Close your loan

Our team will take you through our stress-free closing process.

Rental Loans Made Easy

Purchase, Rate and Term Refinance, and Cash-out Refinance options are available for single-family rental (SFR), PUDs,  2-4 units, and rental condos.
(972) 777-9820

Transparency is our strategy.

A quote from Gapital is one you can trust. We'll show you side by side rates and programs, so your comparison is easy to understand. 

Our pros also factor in all closing costs, so there are no surprises, and you can trust the number when comparing them to others on the market.
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Rates as low as
7.000%†

Up to 80%
​LTV (loan-to-value)

No Prepayment Penalty
after 3 years

5/1 + 7/1 ARMs
​fully amortizing

30 Year Fixed Rates

Interest Only Options

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Did you know?

DSCR is a ratio that measures and determines the maximum loan amount when you apply for a new loan or refinance an existing one. Because DSCR measures the asset's ability to pay the property's mortgage and expenses the higher it is, the more leverage an investor like you can get.

What is a DSCR loan?

Gapital's long-term rental loans are also known as debt service coverage ratio (DSCR) loans or no-income mortgages. What does this mean to you?
  • No tax or personal income document needed
  • Loans are based on rental property cash flow
  • Flexible qualification guidelines

Real feedback from our customers

Get started with a Gapital pro.

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At Gapital, we're all about keeping things human. We're here to make buying real estate a breeze and help folks grow their wealth through ownership.

Company
Contact Us

972-777-9820

Legal    

NMLS #1553267 – Gapital Mortgage, Inc. is a mortgage broker with its main office at 2770 W First Street, Suite 20, Prosper, TX 75078. Telephone Number (972) 777-9820. Loans made or arranged pursuant to a California Finance Lenders Law License. – Not available in all states. © Gapital Mortgage, Inc. All rights reserved.

Texas Mortgage Company Disclosure

In compliance with the Texas Dept. of Savings & Mortgage Lending


Gapital Mortgage, NMLS 1553267

Duties and Nature of Relationship: 

We will submit your loan application to a participating lender which we may from time to time contract upon such terms as you may request or a lender may require. In connection with this mortgage loan, we are generally acting as an independent contractor and not as your agent. 


How we will be compensated: 

The retail price we offer you – your interest rate, total points, and fees – will include our compensation. In some cases we may be paid all of our compensation by you or by the lender or investor. CONSUMERS WISHING TO FILE A COMPLAINT AGAINST A COMPANY OR A RESIDENTIAL MORTGAGE LOAN ORIGINATOR SHOULD COMPLETE AND SEND A COMPLAINT FORM TO THE TEXAS DEPARTMENT OF SAVINGS AND MORTGAGE LENDING, 2601 NORTH LAMAR, SUITE 201, AUSTIN, TEXAS 78705. COMPLAINT FORMS AND INSTRUCTIONS MAY BE OBTAINED FROM THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV. A TOLL-FREE CONSUMER HOTLINE IS AVAILABLE AT 1-877-276-5550. THE DEPARTMENT MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIAL MORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT’S WEBSITE AT WWW.SML.TEXAS.GOV