VCF financing solution for fix & flip investment properties. Whether you are looking to purchase a property with a small or large renovation, or simply need a bridge loan, This loan product is the easiest and fastest loan program in the country. VCF can close your loan in less than 48 hours. There is no appraisal, so you save money, time, and the terms of your loan never change. VCF loan product experience has resulted in we having the highest repeat borrower % in the country. We are confident we can find you a great loan with a quick, efficient and easy process. Receive your term sheet today (within 24 hours).
hard money loan products
Program Terms
Program Terms
Program Terms
VCF provides fix and flip loans for investors purchasing residential properties. We provide approval in less than 24 hours. As a direct lender, we have full discretion and the funds on hand to close quickly. VCF prides itself on its customer service, ease of process, and speed. We look forward to helping you succeed by financing your next investment property.
- Loan Amounts: $75K - $2M
- Rates: 9.90% - 11.90%
- Payment: Interest Only
- Points: 2.0% - 5.0%
- Doc Fee: $1,495
- LTC: Up To 90%
- LTV : Up to: 70%
- Term: 6 - 12 Months (w/Extention Option)
- Financing For Purchase And Renovation Cost
- Quickest Draw Process In The Industry
- Geography: Nation Wide
- Property Types: Residentail (SFH & 2 - 10 Units)
- No Appraisal Requires: Save $695 And 30 Days
- No Junk Fees
- Credit score: 600 Minimum
- No Prepayment Penalty: Pay Of The Loan At Anytime
DSCR
Program Terms
Program Terms
A DSCR Loan is a mortgage loan for a residential income-producing property. It is primarily based on the “Debt Service Coverage Ratio” or the cash flow of the property, rather than the borrower's income. A traditional mortgage loan will require income verification, tax returns and a “Debt-to-Income” (DTI) ratio.
- DSCR Cash-Out Refinance enables investors to tap into the equity of a property by refinancing to a larger loan amount than the existing mortgage, utilizing the property’s income potential (DSCR) as a pivotal qualifying factor, and subsequently using the extra cash for further investments or other purposes.
- Optimize your investment with favorable terms through our DSCR Rate & Term Refinance options.
- This loan type allows investors to refinance an existing property loan to obtain a more favorable interest rate or alter the repayment terms, with the emphasis on the property’s Debt Service Coverage Ratio (DSCR) instead of the borrower’s personal financial status.
- Transform properties and maximize ROI with our flexible DSCR Fix-and-Flip/Rent loans
- A Fix-and-Flip/Rent Loan is a short-term financing option designed for real estate investors to purchase, renovate, and resell a property within a short timeframe, typically aiming for quick returns on investments that revolve around the rapid enhancement and turnover of properties. However, an investor may also choose to hold on to the property and rent it out for the investment income.
FOR PROFESSIONALS
BRRRR METHOD
SHORT TERM RENTAL
SHORT TERM RENTAL
For our BRRRR Method Loans (BRRRR Loans), we offer industry-leading best-in-class options for the entirety of the BRRRR process. For the Buy and Rehab portion – VCF program provides hard money options for investors to move quickly to secure opportunities - 48-hour closes, 90% LTCs, and no appraisals required! For the Refinance portion – V
For our BRRRR Method Loans (BRRRR Loans), we offer industry-leading best-in-class options for the entirety of the BRRRR process. For the Buy and Rehab portion – VCF program provides hard money options for investors to move quickly to secure opportunities - 48-hour closes, 90% LTCs, and no appraisals required! For the Refinance portion – VCF is America’s leading lender for investors utilizing the BRRRR Method (Buy → Rehab → Rent → Refinance → Repeat)!
SHORT TERM RENTAL
SHORT TERM RENTAL
SHORT TERM RENTAL
VCF utilized as Short Term Rentals (STRs), the fastest growing frontier in real estate investing.
For our Short Term Rental Loans (STR Loans), We combine the traditional 30-year fixed rate residential mortgage product with flexible and hassle-free underwriting, delivering quick and efficient 30-day closes and non-intrusive documentation re
VCF utilized as Short Term Rentals (STRs), the fastest growing frontier in real estate investing.
For our Short Term Rental Loans (STR Loans), We combine the traditional 30-year fixed rate residential mortgage product with flexible and hassle-free underwriting, delivering quick and efficient 30-day closes and non-intrusive documentation requirements (no tax returns, no income verification).
A forward-thinking lender, we have pioneered creative, flexible and data-driven qualification for our STR Loans. As one of the first lenders to utilize the AirDNA Rentalizer qualification tool (while staying consistent through market volatility when other lenders pulled away), we are proud to offer our borrowers free access below! The Rentalizer Tool provides incredibly strong and consistently updated data including projected Revenue, Occupancy and Average Daily Rate for any property in the United States!
WHOLESALERS
SHORT TERM RENTAL
WHOLESALERS
- ✔ Speed Same-day term sheets and 48 hour closings means no lender in the country can close more quickly. There’s a saying in Real Estate - Time kills deals! Don’t let a slow lender cause your deal to fall apart!
- ✔ Surety of Close When VCF issues a term sheet the value has already been finalized and the deal fully underwritten. VCF term she
- ✔ Speed Same-day term sheets and 48 hour closings means no lender in the country can close more quickly. There’s a saying in Real Estate - Time kills deals! Don’t let a slow lender cause your deal to fall apart!
- ✔ Surety of Close When VCF issues a term sheet the value has already been finalized and the deal fully underwritten. VCF term sheets won’t be modified unless the borrower makes changes. No more waiting with your fingers crossed, hoping an appraisal comes in at value or an underwriter won’t change his mind at the closing table! Term Sheets from VCF are Term Sheets you can count on!
- ✔ Pre-approved Term Sheets for Deal Packages Want to send out a deal to your buyers with financing pre-approved? VCF can provide term sheets before you send out your deal. Attach the Term Sheet to your deal package and give your buyers confidence VCF has already validated the deal with pre-approved financing. This confidence removes buyer indecisiveness and gets properties under contract quicker!
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Velez Network
3626 North Hall Street, Dallas, Texas 75219, United States Office: (512) 886-1174 Cell: (682) 201-0421 Email: info@veleznetwork.com
