BUY
Easy and Convenient
Borrow up to 100% of your purchase and rehab costs. Most lenders will require 10-20% down. 100% financing* keeps your cash in the bank, allows you to do more projects at once, and is the first step to achieving infinite cash-on-cash returns. Note that this applies to value add purchases and not turn-key, retail ready or properties purchased on long term financing.
FICO scores as low as 620 You can however bring on a partner if your score is lower!
Loans closing in as little as 15 days. Typical closings take a little longer but is still as fast as you move in your business!
11% and 2.25 points! Many markets are still higher but even lower rate markets still require a down payment. Do the math!
Lower lender fees per transaction (save $400 - $900 per deal compared to other lenders).
REHAB
Knock those repairs out of the park
Easy and fast draw requests to keep your renovation timeline on track.
Your funds are safe. We want to ensure your success so your investment in the property is a purchase (if necessary) we will have the funds for your rehab ready to be released to you!
RENT
Their rent pays your bills
You do not need to have your tenant in place to start your refinance, just a lease
Debt service coverage ratios (DSCR) as low as 0.75. You decide if the deal makes sense to park money for some time or capitalize on appreciation in the coming years. Our best rates are available at DSCR of 1.25+
REFINANCE
Get your money back and do it again
No seasoning period required. We can start your refinance the day you finish the rehab. Most lenders will require that you wait six months.
Our loans have options for low interest only payments or fully-amortized 30 year loans. Maximize the cash flow from your rentals as you see fit.
No Income Verification and credit scores as low as 600. We don’t care how much you told Uncle Sam you made last year, our underwriting is based on the asset. How would that go over with your banker?
REPEAT
No Seasoning Means More Deals Per Year
Our team can Move as fast as you! We are ready to do this over and over and over and over...well you get the picture.
This is not bank financing. Commercial loans do not appear on your credit report or affect your personal debt to income ratio, meaning you can have an unlimited number of rental property loans.
*100% financing available up to max 65% of ARV on your first loan with Vault Funding. Most will qualify for max 70% of ARV after their second and subsequent loans.
