Loan & Capital Programs
Get the Capital to Grow, Not Just Get By
Duc is a licensed U.S. mortgage professional and CEO of Wonder Rates. We match you to the right loan program and structure it to maximize your leverage.
Overview
More capital means more leverage — the right loan structure decides how much you actually get.
Duc came up in banking — business loans and mortgages — and has since closed, brokered or advised on billions of dollars in transactions. Whether you're buying an investment property, opening a U.S. business, or need working capital to grow one you already run, the loan program you use changes how much you can borrow and what it costs you. We help you find the right one and get it funded.
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Loan families: real estate, business capital, SBA
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Broker who shops multiple lenders for you
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Steps from pre-qualify to funded
How leverage changes what your capital can buy
Cash purchase
$500K cash
Buys 1 property outright.
With financing
$500K + a loan
Can fund down payments on 3+ properties.
Illustrative example — actual leverage depends on your qualification and loan terms.
Three Ways We Get You Capital
Real Estate Investor Loans
- Best for
- Buying, refinancing or cashing out on investment property
- Qualifies on
- The property's rental income (DSCR), not just your personal income
- Typical down
- 20–25%, program-dependent
Includes foreign national and ITIN programs.
Business Startup & Working Capital
- Best for
- Opening a new U.S. business or funding growth in one you already run
- Qualifies on
- Business cash flow, time in business, and owner credit
- Typical down
- Varies by lender and structure
Term loans and business lines of credit.
SBA 7(a) / 504
- Best for
- Owner-occupied commercial property, equipment, or larger expansion
- Qualifies on
- U.S. citizenship or lawful permanent residency (ownership threshold applies), plus business financials
- Typical down
- 10–20%, program-dependent
Restricted for non-U.S.-citizen ownership — we'll tell you upfront if it fits.
| Program | Best for | Qualifies on | Typical down |
|---|---|---|---|
| Real Estate Investor Loans Includes foreign national and ITIN programs. | Buying, refinancing or cashing out on investment property | The property's rental income (DSCR), not just your personal income | 20–25%, program-dependent |
| Business Startup & Working Capital Term loans and business lines of credit. | Opening a new U.S. business or funding growth in one you already run | Business cash flow, time in business, and owner credit | Varies by lender and structure |
| SBA 7(a) / 504 Restricted for non-U.S.-citizen ownership — we'll tell you upfront if it fits. | Owner-occupied commercial property, equipment, or larger expansion | U.S. citizenship or lawful permanent residency (ownership threshold applies), plus business financials | 10–20%, program-dependent |
How It Works
Pre-qualify
See what you actually qualify for, no obligation.
Structure
We shape the loan around your goals and leverage.
Underwrite
Your file goes to the lender for full approval.
Fund
Money lands and you close on schedule.
Sound familiar?
“I have capital saved up in Vietnam and want to know what loan programs I actually qualify for as a foreign national.”
“I want to open a business in the U.S. but don't have enough cash to do it without financing.”
“I already own a small business here and want a line of credit to grow it, not just keep it running.”
Where this service ends
- Duc's guidance is licensed mortgage advice — it comes directly from his U.S. mortgage broker license.
- Approval, terms and funding are decided by our lending partners, not by us.
- This isn't a loan commitment, a guarantee of approval, or legal/tax/investment advice.
Read the full disclosure
Duc is a licensed U.S. mortgage professional and the CEO of Wonder Rates, a licensed U.S. mortgage brokerage — mortgage and lending guidance comes directly from that license. SBA and other business loan programs are underwritten and funded by our lending partners according to their own criteria; we structure and submit your application but do not guarantee approval. Nothing here is a loan commitment, a guarantee of approval, financing terms, or business outcomes, and it is not legal, tax or investment advice.
Talk to Us About a Loan Program
Tell us about your product, your market, and where you're currently stuck. We'll respond with the appropriate next step.