The FAAS Capital Desk
Strategic capital structuring for real estate investors and business owners. Every scenario is evaluated through an investment lens — asset performance, leverage strategy, and scalable growth.
What the Capital Desk Does
The Capital Desk is the structuring engine behind every FAAS Funding scenario. We match capital to asset performance, investor profile, and growth strategy — across real estate and business funding verticals.
Cash Flow Durability
Income stability and coverage strength under realistic assumptions. DSCR analysis at 1.0x, 1.25x, and stress-test thresholds.
Leverage Positioning
Capital structure aligned to investor control and risk tier. LTV, LTC, and debt service calibrated to scenario complexity.
Risk Tier Alignment
Program fit based on asset type, borrower profile, credit tier, and scenario complexity. No-doc through full-doc structures.
Exit Strategy Compatibility
Hold, refinance, reposition, or value-add execution planning. Every structure accounts for the investor’s long-term strategy.
Portfolio Scalability
Structures designed to support repeat acquisition, portfolio consolidation, and long-term growth without personal income constraints.
Scenario Structuring
Every deal is structured from scratch — not force-fit into a template. Asset class, leverage, and investor objectives drive the terms.
Real Estate Capital Programs
Investment property financing structured around asset performance, not personal income.
DSCR Loans (1–4 Units)
Cash-flow-based financing for rental properties. No W-2s, no tax returns, no DTI.
Short-Term Rental DSCR
Income-based financing for stabilized Airbnb and vacation rental properties.
Fix-and-Flip Loans
Short-term ARV-based financing to purchase, renovate, and resell investment properties.
Bridge Loans
Short-term capital for acquisitions, transitions, and time-sensitive opportunities.
Portfolio Loans
Consolidated financing for investors with multiple rental properties under one structure.
Rental Portfolio Loans
Consolidate multiple rentals under a single loan to reduce closing costs and scale faster.
Cash-Out Refinance
Access equity from stabilized investment properties for portfolio expansion.
Construction Financing
Ground-up and heavy renovation financing for new investment builds.
DSCR Loan Guidelines
Qualification criteria, property requirements, and documentation standards.
Business Funding Programs
Working capital, growth funding, and asset-based financing for small business owners and operators.
SBA Loans
Government-backed financing with competitive rates and longer terms for eligible small businesses.
Business Lines of Credit
Revolving credit to cover operating expenses, manage cash flow, and seize growth opportunities.
Equipment Financing
Finance essential business equipment with fixed monthly payments and minimal upfront cost.
Working Capital
Flexible funding to manage day-to-day operations, cover payroll, or bridge revenue gaps.
Merchant Cash Advance
Fast funding based on future sales with no fixed monthly payments. All credit types considered.
Invoice Factoring
Convert outstanding invoices into immediate working capital without waiting on slow-paying clients.
Business Credit Building
Build and strengthen your business credit profile to unlock better financing terms and higher limits.
Want to see if your deal qualifies?
Investor Tools
Free calculators and analysis tools to evaluate your next deal before you apply.
DSCR Calculator
Calculate your debt service coverage ratio instantly to see if your rental property qualifies.
BRRRR Calculator
Model your Buy-Rehab-Rent-Refinance-Repeat strategy with detailed cash flow projections.
Fix & Flip Calculator
Estimate profit, ROI, and holding costs before you commit to your next flip project.
Rental Cash Flow Calculator
Project monthly and annual cash flow for any rental property investment scenario.
Deal Analyzer
Comprehensive multi-strategy deal analysis tool covering DSCR, BRRRR, flip, and cash flow metrics.
DSCR Rate Estimator
Get an estimated rate range based on your DSCR ratio, credit score, and loan parameters.
DSCR Loans by State
State-specific DSCR loan guides with local market insights, property requirements, and financing parameters.
DSCR Loan California
Investment property financing for Los Angeles, San Francisco, San Diego, and surrounding markets.
DSCR Loan Florida
Florida investment property financing for Miami, Tampa, Orlando, and more.
DSCR Loan Texas
Texas investment property financing for Houston, Dallas, Austin, and more.
DSCR Loan New York
New York investment property financing for NYC and surrounding markets.
Investor Resources
Education and structuring insights for investors using DSCR and business-purpose capital to scale portfolios.
Ready to Structure Your Next Investment?
Submit your scenario to the Capital Desk. No income docs required for DSCR programs.
Submission does not constitute a commitment to lend. Business-purpose lending only.