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
A Debt-Service Coverage Ratio (DSCR) loan relies solely on rental income cash flow. To qualify for our 30-Year Rental Loan, your property's monthly rental income must adequately cover all monthly expenses, including principal, interest, taxes, insurance, and additional dues. At VP Capital Lending, we require the rental income to be a minimum of 110% of these expenses. This ensures that borrowers can confidently manage their rental properties and repay their loans without the need to provide pay stubs, tax returns, or show additional income for qualification.
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
30-YEAR RENTAL 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
DSCR - BASED LOANS
Don't settle for less when it comes to your rental 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.
WHAT IS A DSCR LOAN?
Cash-Flow Based Approval
Loan Amount
No DTI
$75k - $2M
Up to 80% LTV, Cash-Outs Eligible
No Tax Returns Required
Minimum FICO 680
1 - 9 Unit Residential
Fixed Rate, ARMS, Fully Amortizing, Interest Only, or Balloons
Rate Locks Available
SINGLE PROPERTY RENTAL LOANS
Flexible Pre-Payment Options
SINGLE PROPERTIES OR PORTFOLIOS. REFINANCE OR PURCHASE.
PORTFOLIO RENTAL LOANS
Minimum FICO 680
2 or More Rental Properties, One Loan
Fixed Rate, ARMS, Fully Amortizing, Interest Only, or Balloons
Up to 80% LTV, Cash-Outs Eligible
Multiple Structure Options Available, to fit your unique investment strategy
No Tax Returns Required
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.
WHAT IS THE MAXIMUM LTV?
Our maximum LTV is 80% and will vary based upon your creditworthiness, the property location, and the property Debt Service Coverage Ratio.
WHAT'S THE DIFFERENCE BETWEEN A DSCR LOAN AND A CONVENTIONAL LOAN?
One key advantage of a DSCR loan is that it relies on the borrower's credit and property cash flow, rather than their personal income. Additionally, DSCR loans are often considered "low-doc" loans, meaning less documentation is required to move forward with the loan process.
For Real Estate Investors, obtaining a conventional loan can be challenging due to the strict criteria set forth by Fannie Mae and Freddie Mac. Despite this, the loan is attractive to those who meet the qualifications, as they may be able to secure a lower interest rate.
DO YOU LEND ON SHORT TERM RENTALS?
Yes, we do.
DO YOU FINANCE COMMERCIAL PROPERTIES?
No, we do not, only non-owner-occupied residential properties.
WHAT IS THE SEASONING PERIOD FOR A CASH-OUT REFINANCE?
There is a 6 months seasoning period. After 6 months there are no LTC restrictions. Prior to 6 months, we can refinance the lessor of 130% of total cost vs 75% of LTV.
Have a different question? Try scheduling a time to speak with one of our loan advisors
LOAN PRODUCTS
30-YEAR RENTAL LOANS
Don't settle for less when it comes to your rental 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.
Cash-Flow Based Approval
Rates As Low As 6.99%
Loan Amount
No DTI
$75k - $2M
Rates As Low As 6.15%
SINGLE PROPERTIES OR PORTFOLIOS. REFINANCE OR PURCHASE.
Up to 80% LTV, Cash-Outs Eligible
No Tax Returns Required
Minimum FICO 680
1 - 9 Unit Residential
Fixed Rate, ARMS, Fully Amortizing, Interest Only, or Balloons
SINGLE PROPERTY RENTAL LOANS
Flexible Pre-Payment Options
Rate Locks Available
PORTFOLIO RENTAL LOANS
Minimum FICO 680
2 or More Rental Properties, One Loan
Fixed Rate, ARMS, Fully Amortizing, Interest Only, or Balloons
Up to 80% LTV, Cash-Outs Eligible
Multiple Structure Options Available, to fit your unique investment strategy
No Tax Returns Required
A Debt-Service Coverage Ratio (DSCR) loan relies solely on rental income cash flow. To qualify for our 30-Year Rental Loan, your property's monthly rental income must adequately cover all monthly expenses, including principal, interest, taxes, insurance, and additional dues. At VP Capital Lending, we require the rental income to be a minimum of 110% of these expenses. This ensures that borrowers can confidently manage their rental properties and repay their loans without the need to provide pay stubs, tax returns, or show additional income for qualification.
WHAT IS A DSCR LOAN?
READY TO GROW YOUR BUSINESS?
FINANCE YOUR REAL ESTATE INVESTMENTS WITH EASE
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.