Financing for Your Fix & Flip
Funding Programs
100% Financing
100% of the purchase price PLUS 100% of the Rehab
90% Financing
90% of the purchase price PLUS 100% of the Rehab
80-85% Financing
80-85% of the purchase price PLUS 100% of the Rehab
80-85% Financing
80-85% of the Purchase Price
0+ Experience Required
100% of the Rehab
90% Financing
90% of the Purchase Price
3+ Experience
100% of the Rehab
100% Financing
100% of the Purchase Price
30+ Experience
100% of the Rehab
Funding Programs
LOAN PRODUCTS
82% of qualifying surveys have received a finance offer
FIX & FLIP LOANS
Pre-Qualify Now To Get Approved in 15 Minutes
No Credit Pull Required
Take the First Step to see if you qualify for Financing
FIND THE PERFECT LOAN FOR YOUR REAL ESTATE INVESTMENT NEEDS
TOP 5 INVESTOR BENEFITS
FREQUENTLY ASKED QUESTIONS
VP Capital Lending is not a chartered bank or trust company, or depository institution. VP Capital Lending is not authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. VP Capital Lending makes commercial, business-purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, at VP Capital Lending’s sole and absolute discretion. Other restrictions apply. The specific facts and circumstances of each proposed loan transaction impact whether VP Capital Lending will be authorized to make loans in each applicable state.
© 2023 All Rights Reserved
FIX & FLIP LOANS
Don't settle for less when it comes to your Fix & Flip loans. VP Capital Lending offers competitive rates and superior service. Partner with experts who truly understand your needs and can help you succeed. Let's make your dreams a reality together.
Our Loan Officers Are Standing By To Assist You.
Get Your Quote Within 24 Hours.
Term
Rates As Low As 10.24%
Loan Amount
12 - 18 Months
$50k - $10M
No Tax Returns Required
Minimum FICO 650
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; 5+ Unit Apartments
Rates As Low As 10.24% (Interest Only Charged on Outstanding Balance)
No Pre-Payment Penalties for early payment
NEW INVESTOR
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 65% of the After Repair Value
Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the After Repair Value
EXPERIENCED INVESTOR
Flexible loan options to suit any size project
PROGRAM HIGHLIGHTS
Not Reported to Personal Credit Bureaus
A loan specifically designed for business owners that won't impact personal credit score. It's a smart financial decision that could help take your business to the next level.
30-Year Term with 30-Year Amortization
If you're looking for a loan that will allow you to buy and hold for the long term, then these loans are perfect for you. With lower monthly payments and rates comparable to conventional loans, you'll be able to hold onto your investment and reap the rewards for years to come.
No Debt-To-Income Calculated
You won't need to provide Paystubs or Tax Returns to qualify for these loans, as they are considered "low-doc" loans. This will save you a significant amount of time and hassle during the application process.
Approval Based On Cash Flow
Approval is based on cash-flow, not your personal income. This will allow you to confidently scale your business and achieve the success you've been working towards.
From One Property to an Entire Portfolio
Whether you're looking to invest in a single property or build a large portfolio, we've got the perfect solution for you. Trust us to help you achieve your financial goals and grow your wealth.
READY TO GROW YOUR BUSINESS?
FINANCE YOUR REAL ESTATE INVESTMENTS WITH EASE
WHAT STATES DO YOU LEND IN?
We lend in all states except Nevada, Alaska, North Dakota, South Dakota, and Vermont.
DO YOU HAVE A MINIMUM CREDIT SCORE?
To qualify, you must have a minimum FICO score of 660. Your credit score will determine the rate you are quoted.
WILL YOU PULL MY CREDIT?
At VP Capital Lending, your credit privacy is our top priority. We want you to feel confident and at ease throughout the process. Rest assured that we will never pull your credit until you explicitly instruct us to move forward with scheduling an appraisal and closing. In the meantime, we only need your approximate credit score, which you can provide. With that information, we will customize your loan to perfectly suit your unique needs, ensuring a smooth and personalized experience. Your trust is invaluable to us, and we are dedicated to maintaining it throughout our partnership.
ARE THERE ANY PREPAYMENT PENALTIES FOR PAYING OFF THE LOAN EARLY?
There are no penalties for prepayment. You have the freedom to repay the hard money loan before its maturity date without any additional fees or charges for prepayment.
WILL I HAVE TO SUBMIT TAX RETURNS?
No, tax returns are not required. Instead, we will use your bank statements to demonstrate that you have the necessary liquidity to cover your closing costs.
DO YOU FINANCE COMMERCIAL PROPERTIES?
No, we do not, only non-owner-occupied residential properties.
WHAT TYPES OF PROPERTIES WILL YOU LEND ON?
We provide financing solutions for a variety of property types, including 1-4 family real estate, condos, townhomes, and apartments with 5 or more units.
Have a different question? Try scheduling a time to speak with one of our loan advisors
LTV
Fill out a quick application and receive your quote
Qualify for a better deal on your investment
Close within 7-10 business days.
LEVEL UP YOUR REAL ESTATE INVESTMENTS WITH VP CAPITAL LENDING - EXPERIENCE THE POWER OF EFFORTLESS FUNDING
LEVEL UP YOUR REAL ESTATE INVESTMENTS WITH VP CAPITAL LENDING - EXPERIENCE THE POWER OF EFFORTLESS FUNDING
LOAN PRODUCTS
FIX & FLIP LOANS
Don't settle for less when it comes to your Fix & Flip loans. VP Capital Lending offers competitive rates and superior service. Partner with experts who truly understand your needs and can help you succeed. Let's make your dreams a reality together.
PROGRAM HIGHLIGHTS
No Tax Returns Required
Minimum FICO 650
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; 5+ Unit Apartments
Rates As Low As 10.24% (Interest Only Charged on Outstanding Balance)
No Pre-Payment Penalties for early payment
NEW INVESTOR
Up to 80% of Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 65% of the After Repair Value
NEW INVESTORS
Flexible loan options to suit any size project
Up to 90% of the Purchase Price + Up to 100% of Renovation Costs; Not to Exceed 70% of the After Repair Value
EXPERIENCED INVESTOR
EXPERIENCED INVESTOR
EXPERIENCED INVESTORS
READY TO GROW YOUR BUSINESS?
FINANCE YOUR REAL ESTATE INVESTMENTS WITH EASE
Rates As Low As 10.24%
Loan Amount
$50k - $10M
FREQUENTLY ASKED QUESTIONS
Have a different question? Try scheduling a time to speak with one of our loan advisors
VP Capital Lending is not a chartered bank or trust company, or depository institution. VP Capital Lending is not authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. VP Capital Lending makes commercial, business-purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, at VP Capital Lending’s sole and absolute discretion. Other restrictions apply. The specific facts and circumstances of each proposed loan transaction impact whether VP Capital Lending will be authorized to make loans in each applicable state.
© 2023 All Rights Reserved
VP Capital Lending is not a chartered bank or trust company, or depository institution. VP Capital Lending is not authorized to accept deposits or trust accounts, nor licensed or regulated by any state or federal banking authority. VP Capital Lending makes commercial, business-purpose loans. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain states. This is not a commitment to lend. All loans are subject to borrower underwriting and credit approval, at VP Capital Lending’s sole and absolute discretion. Other restrictions apply. The specific facts and circumstances of each proposed loan transaction impact whether VP Capital Lending will be authorized to make loans in each applicable state.