Terms of Service

    Last updated: October 12, 2026

    1. Agreement to Terms

    By accessing and using the Investor1st Funding website at investor1stfunding.com (the "Site") and our services, you agree to be bound by these Terms of Service ("Terms"). If you do not agree to these Terms, please do not use our Site or services.

    These Terms apply to all visitors, users, and others who access or use our Site and services. We reserve the right to update these Terms at any time. Your continued use of the Site after changes constitutes acceptance of the revised Terms.

    2. Description of Services

    Investor1st Funding provides real estate investment financing solutions, including but not limited to:

    • Fix and Flip loan programs
    • DSCR (Debt Service Coverage Ratio) rental property loans
    • Loan calculators and deal analysis tools
    • Pre-qualification and pre-approval services
    • Skip tracing and property research services (Pro tier)
    • Predictive seller lead generation (Pro tier)
    • Educational content and resources

    Our services include business-purpose investment financing and eligible Non-QM mortgage options for primary residences and second homes. Availability, licensing, documentation, and required disclosures depend on the program, property, borrower, and location.

    3. User Accounts

    To access certain features of our Site, you may be required to create an account. When creating an account, you agree to:

    • Provide accurate, current, and complete information
    • Maintain and promptly update your account information
    • Keep your password secure and confidential
    • Accept responsibility for all activities under your account
    • Notify us immediately of any unauthorized access

    We reserve the right to suspend or terminate accounts that violate these Terms or engage in fraudulent activity.

    4. Subscription Services and Payments

    Our Pro tier subscription provides access to premium features. By subscribing, you agree to:

    • Pay all fees associated with your subscription plan
    • Provide valid payment information
    • Authorize recurring charges for subscription renewals

    Cancellation: You may cancel your subscription at any time. Cancellation will take effect at the end of your current billing period. We do not provide refunds for partial subscription periods.

    Price Changes: We reserve the right to change subscription prices. We will provide advance notice of price changes before they take effect.

    5. Loan Services Disclaimer

    Important: Investor1st Funding is not a lender. We connect real estate investors with lending partners. All loan products, terms, rates, and approvals are subject to:

    • Lender underwriting guidelines and approval
    • Property appraisal and valuation
    • Borrower qualification requirements
    • Market conditions and availability

    Calculator results, pre-qualification estimates, and loan scenarios provided on our Site are for informational purposes only and do not constitute a commitment to lend. Actual loan terms may vary.

    6. Prohibited Uses

    You agree not to use our Site or services to:

    • Violate any applicable laws or regulations
    • Provide false, misleading, or fraudulent information
    • Impersonate any person or entity
    • Interfere with or disrupt our Site or servers
    • Attempt to gain unauthorized access to systems or data
    • Use automated systems to scrape or collect data
    • Transmit viruses, malware, or harmful code
    • Harass, abuse, or harm others
    • Use our services for any illegal purpose

    7. Intellectual Property

    All content on our Site, including text, graphics, logos, images, software, and other materials, is the property of Investor1st Funding or its licensors and is protected by copyright, trademark, and other intellectual property laws.

    You are granted a limited, non-exclusive, non-transferable license to access and use the Site for personal, non-commercial purposes. You may not reproduce, distribute, modify, or create derivative works without our written permission.

    8. Third-Party Links and Services

    Our Site may contain links to third-party websites or services that are not owned or controlled by Investor1st Funding. We have no control over and assume no responsibility for the content, privacy policies, or practices of third-party sites.

    Your use of third-party websites and services is at your own risk and subject to their terms and policies.

    9. Disclaimer of Warranties

    OUR SITE AND SERVICES ARE PROVIDED "AS IS" AND "AS AVAILABLE" WITHOUT WARRANTIES OF ANY KIND, EXPRESS OR IMPLIED. WE DISCLAIM ALL WARRANTIES, INCLUDING BUT NOT LIMITED TO:

    • Merchantability and fitness for a particular purpose
    • Accuracy, completeness, or reliability of information
    • Uninterrupted or error-free operation
    • Security or freedom from viruses

    10. Limitation of Liability

    TO THE MAXIMUM EXTENT PERMITTED BY LAW, INVESTORFIRST FUNDING AND ITS OFFICERS, DIRECTORS, EMPLOYEES, AND AGENTS SHALL NOT BE LIABLE FOR ANY INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL, OR PUNITIVE DAMAGES ARISING FROM YOUR USE OF OUR SITE OR SERVICES.

    Our total liability for any claims arising from these Terms or your use of our services shall not exceed the amount you paid to us in the twelve (12) months preceding the claim.

    11. Indemnification

    You agree to indemnify, defend, and hold harmless Investor1st Funding and its affiliates, officers, directors, employees, and agents from any claims, damages, losses, liabilities, and expenses (including attorneys' fees) arising from:

    • Your use of our Site or services
    • Your violation of these Terms
    • Your violation of any rights of another party
    • Any information you provide to us

    12. Governing Law and Dispute Resolution

    These Terms shall be governed by and construed in accordance with the laws of the State of Michigan, without regard to conflict of law principles. Any disputes arising from these Terms or your use of our services shall be resolved through binding arbitration in accordance with the American Arbitration Association rules.

    13. Severability

    If any provision of these Terms is found to be unenforceable or invalid, that provision shall be limited or eliminated to the minimum extent necessary, and the remaining provisions shall remain in full force and effect.

    14. Contact Information

    If you have any questions about these Terms, please contact us:

    • Investor1st Funding LLC
    • Email: contact@investor1stfunding.com
    • Phone: (248) 397-5147