Mega Capital Funding Wholesale Mortgage Rates, Through an Independent Broker
Known for jumbo and investment-property wholesale programs.
Duane Buziak, Mortgage Maestro (NMLS #1110647), has an active wholesale relationship with Mega Capital Funding and submits files directly into its wholesale channel. This page explains what Mega Capital Funding is generally known for, who it tends to fit, and how to get a real quote sourced from its current wholesale rate sheet.
Independent broker with wholesale access — Duane is not affiliated with, endorsed by, or an employee of Mega Capital Funding. This page reflects a genuine wholesale relationship Duane originates through directly.
What Mega Capital Funding Is Known For
- Recognized for jumbo loan-amount programs
- Strong presence in investment-property wholesale lending
- A common search for larger purchase prices or non-owner-occupied files
Program Fit & Flexibility
Mega Capital Funding's wholesale guidelines generally show a minimum credit score of 640 on conventional Best Price program; 660 on DSCR, with down payment requirements of As low as 5% (95% LTV) on qualifying conventional program. Loan amounts and program range: DSCR loan amounts $150,000–$2,000,000; jumbo and portfolio/alt-doc also offered. Documentation type: Full doc conventional; DSCR alt-doc for investors. Minimum credit score, down payment, and DTI thresholds change with the lender's current guidelines — Duane confirms exact numbers against Mega Capital Funding's live rate sheet at the time your file is priced, so nothing here is a fixed promise.
Mega Capital Funding vs. a Typical Wholesale Alternative
| Feature | Mega Capital Funding | Typical Alternative Wholesale Lender |
|---|---|---|
| Program focus | Recognized for jumbo loan-amount programs | Varies by lender — compare at time of application |
| Credit score flexibility | 640 on conventional Best Price program; 660 on DSCR | Commonly 620 conventional / 580 FHA as a baseline |
| Down payment range | As low as 5% (95% LTV) on qualifying conventional program | Commonly 3–5% conventional, varies by program |
| Loan amount range | DSCR loan amounts $150,000–$2,000,000; jumbo and portfolio/alt-doc also offered | Varies by lender and program |
| Documentation type | Full doc conventional; DSCR alt-doc for investors | Varies by lender and program |
Getting a Real Mega Capital Funding Quote Through the NoTouch Credit Pull
Duane's NoTouch Credit Pull is a soft-pull pre-approval that shows real, program-specific numbers from Mega Capital Funding's wholesale rate sheet without a hard inquiry on your credit.
Start My NoTouch Pre-ApprovalWorked Example
A borrower with a 720 credit score and 20% down on a $1,200,000 purchase priced through Mega Capital Funding's wholesale jumbo rate sheet. On a $960,000 loan at an illustrative 6.9% wholesale rate, principal and interest runs approximately $6,325/month — before taxes, insurance, or HOA.
APR and payment figures above are illustrative only, not a rate lock, quote, or offer — actual pricing depends on Mega Capital Funding's live wholesale rate sheet, credit profile, loan amount, and program at time of application.
Frequently Asked Questions — Mega Capital Funding
Is Mega Capital Funding a good fit for a loan above conforming limits?
Mega Capital Funding is known in the wholesale market for jumbo loan-amount capacity, making it a common search for purchases above standard conforming loan limits — actual eligibility depends on the file and current rate sheet.
Does Mega Capital Funding lend directly to consumers?
No. Mega Capital Funding prices wholesale loans for brokers only; Duane's active wholesale relationship is what provides access to that pricing.
What are the loan limits for DSCR investor programs at Mega Capital Funding?
Mega Capital Funding's DSCR program options typically support loan amounts ranging from $150,000 up to $2,000,000 for investment properties.
What is the minimum credit score requirement for Mega Capital Funding DSCR loans?
Current wholesale guidelines show a minimum credit score floor starting at 660 FICO for DSCR non-owner-occupied investment financing.
What is the minimum credit score for Mega Capital's conventional programs?
Their conventional Best Price program options generally start with a minimum credit score requirement of 640 FICO.
What is the minimum down payment required for qualifying conventional programs?
Qualifying conventional purchase programs through Mega Capital Funding allow down payments as low as 5% (up to 95% LTV).
How does a DSCR loan work for real estate investors?
DSCR (Debt-Service Coverage Ratio) programs evaluate the subject property's rental cash flow rather than relying on personal W-2 or tax return documentation.
Does Mega Capital Funding offer portfolio and alternative documentation options?
Yes. Alongside full-documentation conventional and jumbo mortgages, Mega Capital offers portfolio alt-doc programs tailored for complex files.
How does Duane's NoTouch Credit Pull evaluate pricing with Mega Capital Funding?
Duane performs a soft credit inquiry to pull real-time pricing from Mega Capital Funding's rate sheet without affecting your credit score.
Can I qualify for jumbo financing on non-owner occupied investment properties?
Yes, Mega Capital Funding specializes in both high-balance jumbo financing and non-owner-occupied investment property solutions.
Are tax returns required for Mega Capital DSCR investor loans?
No. Standard DSCR programs focus on property cash flow rather than personal income verification or income tax documentation.
Why access Mega Capital Funding through an independent broker like Duane Buziak?
Duane provides direct broker access to Mega Capital Funding while benchmarking their pricing against 30 other wholesale lenders in his network.
How can I run my current quote against Mega Capital Funding's rates?
Upload your written loan estimate using Duane's "Dare to Compare" tool for an objective head-to-head comparison.
Compare Mega Capital Funding Against the Rest of the Wholesale Market
Already have a quote? Bring it — Duane runs it head-to-head against Mega Capital Funding and every other lender in the directory.
Bring My Quote — Dare to Compare