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Meet Bill Rapp

NMLS ID # NMLS # 228246

William Rapp, based in Houston, TX, US, is currently a Capital Advisor at Medallion Funds, bringing experience from previous roles at eXp Commercial, NEXA Mortgage, Viking Enterprise LLC and Sun Realty - Houston. William Rapp holds a 1997 - 2001 BBA in Finance @ Texas A&M University. With a robust skill set that includes REO, Sellers, SFR, FHA financing, Reverse Mortgages and more, William Rapp contributes valuable insights to the industry.

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Great experience purchasing our first home! Bill was easy to reach and always able to answer any questions or concerns.

27185 Astoria Brook Ln, Katy, TX 77494, USA

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🧠 Smart Investing Starts Here: Understanding Cap Rates in Real Estate 🏗️

📉📈 The Power of Cap Rates: Boost Your CRE Strategy with Confidence 💼

April 12, 20251 min read

📉📈 The Power of Cap Rates: Boost Your CRE Strategy with Confidence 💼

🧠 Smart Investing Starts Here: Understanding Cap Rates in Real Estate 🏗️


💼 Cap Rates & Lending: What Mortgage Brokers Need to Know

Whether you're financing a commercial strip center or a multifamily apartment complex, understanding cap rates is critical for structuring deals that lenders love—and borrowers benefit from.

Why Cap Rates Matter in Mortgage Lending

Lenders and brokers use cap rates to:

  • Estimate property value when a purchase price is unclear

  • Assess cash flow adequacy to meet debt service coverage ratios (DSCR)

  • Evaluate borrower risk and property marketability

Cap Rates and Loan Terms

In today’s market, loan terms often flex based on the perceived stability of the asset—and that perception is often rooted in cap rate analysis. A lower cap rate may support higher leverage, while a high cap rate may signal risk and tighter lending.

How We Guide You

At our firm, we use cap rate analysis alongside rent rolls, DSCR, and borrower profiles to match you with the right lending solution. Whether it’s a DSCR loan, SBA product, or bridge loan, we demystify the numbers so you can make informed decisions.


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© 2023-2024 Bill Rapp, Medallion Funds LLC, Director of Capital Advisory


cap rate financingcommercial mortgage ratesDSCR Loan calculatorinvestment property loanreal estate loan underwriting'multifamily loan terms
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Bill Rapp - Commercial & Residential Mortgage Broker

Whether you're a first-time homebuyer, a seasoned investor, or a business owner with ambitious plans, securing the right financing is crucial. At Medallion Funds, we take the guesswork out of mortgages, offering a comprehensive suite of residential and commercial loan options to fit your unique needs. Looking for Your Dream Home? We understand the excitement and challenges of navigating the residential real estate market. Our experienced mortgage brokers will guide you through every step, from pre-qualification to closing. We offer a variety of loan programs to suit your financial situation, including: • Fixed-rate mortgages: Offering stability with predictable monthly payments. • Adjustable-rate mortgages (ARMs): Providing competitive rates for a set period. • FHA loans: Making homeownership accessible with lower down payments. • VA loans: Rewarding veterans with attractive rates and flexible terms. Investing in Your Business Future? Growth often requires capital, and we can help you unlock the potential of your commercial property. Our brokers specialize in a wide range of commercial loan options, including: • Purchase loans: Financing the acquisition of new buildings or land. • Construction loans: Facilitating the development of your project. • Refinance loans: Restructuring your existing mortgage for better terms. • SBA loans: Providing access to government-backed financing for qualified businesses. The Medallion Funds Difference: We go beyond simply finding a loan. We take the time to understand your goals and develop a personalized strategy. Here's what sets us apart: • Expertise: Our brokers have a deep understanding of both residential and commercial lending. • Competitive Rates: We leverage our strong lender relationships to secure the best possible terms. • Streamlined Process: We handle the paperwork, keeping you informed every step of the way. • Exceptional Service: We're committed to providing you with a positive and stress-free experience. Ready to Take the First Step? Contact Medallion Funds today for a free consultation. Let's discuss your financing needs and help you achieve your dreams!

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Refinancing youe loan and when to do it

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Copyright ©2021 | Mortgage Viking Team

Licensed to Do Business | NMLS # 228246


This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply. Copyright © 2021 | Medallion Funds


Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014

Corporate NMLS NMLS # 1825831 | Company Website: https://medallionfunds.com/bill-rapp/

Copyright ©2021 | Mortgage Viking Team Licensed to Do Business | NMLS # 228246

This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply

Corporate | NMLS ID NMLS # 1825831

Corporate Address : 2651 N. Green Valley Pkwy STE. 101 Henderson, NV 89014 https://medallionfunds.com/bill-rapp/