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Signing a Contract

Residential Loan Options

Velocity Vault Lenders

Hard Money & DSCR

Documents needed:

Application, last 3 Bank Statements, 2 forms of Government IDs

Kitchen

Fix and Flip

Hard Money Loan • Term: Up to 12 months •10-15% interest rate • No prepayment • LTC: Up to 95% •ARV: Up to 70% • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Property Types: SFR, Duplex, Triplex, Fourplex

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House with Pool

Purchase

Hard Money Loan • Term: Up to 12 Months • 10-15% Interest Rate • No Prepayment • LTV: Up to 80% • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Property Types: SFR, Duplex, Triplex, Fourplex

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House

Refinance

Hard Money Loan • Term: Up to 12 Months • 10-15% Interest Rate • No Prepayment • LTV: Up to 80% • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Property Types: SFR, Duplex, Triplex, Fourplex

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Construction Engineer

Groundup Construction

Hard Money Loan • Term: Up to 18 Months • 10-15% Interest Rate • No Prepayment • LTC: Up to 100% • ARV: Up to 70% • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Property Types: SFR, Duplex, Triplex, Fourplex

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Green Fields

Land

Hard Money Loan • Term: Up to 12 Months • 10-15% Interest Rate • No Prepayment • LTV: Up to 70% • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Property Types: SFR, Duplex, Triplex, Fourplex

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House

Purchase

DSCR Program • Term: Up to 40 years • LTV: Up to 80% • Prepayment Penalty: Up to 5 years • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Minimum DSCR Ratio: 1% • Property Types: SFR, Duplex, Triplex, Fourplex

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House with Red Door

Rate & Term Refinance

DSCR Program • Term: Up to 40 years • LTV: Up to 80% • Prepayment Penalty: Up to 5 years • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Minimum DSCR Ratio: 0.75% • Property Types: SFR, Duplex, Triplex, Fourplex

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Dollar Bill in Jar

Cashout Refinance

DSCR Program • Term: Up to 40 years • LTV: Up to 80% • Prepayment Penalty: Up to 5 years • Loan Amounts: $100,000 to $2,500,000 • Minimum Credit Score: 650 • Minimum DSCR Ratio: 0.75% • Property Types: SFR, Duplex, Triplex, Fourplex

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Modern Housing

Portfolio

DSCR Program • Term: Up to 40 years • LTV: Up to 75% • Prepayment Penalty: Up to 5 years • Minimum Loan Amount Per Door: $50,000 • Minimum Credit Score: 650 • Minimum DSCR Ratio: 0.75% • Property Types: SFR, Duplex, Triplex, Fourplex

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