VirtuaLending

10/29/2025

Get the best terms and a fast closing on your investment property with a DSCR loan.

Cash-out up to 75% LTV—as early as the next day after purchase using the new appraised value.

• LTV: 85% purchase • 85% rate/term • 75% cash-out
• Listed? OK — we use the current value
• Vacant? OK — we use market rent or current lease
• Airbnb/STR OK
• Credit: 620+
• PPP: 0–5 years (longer can lower rate)
• Rates: competitive (often in the 6s–7s; program-dependent)
• Units: 1–8 (SFR/condo/2–8 unit)
• Loan amounts: $75k–$4M
• Close in an LLC

SEND MESSAGE to get instant terms! 🚀

10/17/2025

5-Day HELOC 🚀 No appraisal needed.

See if you qualify in minutes—no paperwork uploads required.

Link your bank accounts to qualify in minutes—no paperwork uploads required. (Prefer not to link? Use IRS transcripts or a recent pay stub.)

Loan size: up to $750k

Max LTV: up to 85% (680+ score needed

Credit: 640+ FICO (soft pull for pre-check)

Instant checks: soft credit + lien verification + AVM valuation

Property types: single-family, condos, 2–4 units (OO or investment)

No appraisal in most cases (AVM used)

Funding speed: closings in as little as 5 days

Not a match? We also offer P&L-only, Bank Statement, VOE, and DSCR HELOC options for unique income profiles.

Press SEND MESSAGE now to get an instant quote!

10/03/2025

It’s been yet another month of high quality production and peerless service from our relentless team at VirtuaLending, so here’s to our top producers of of September 2025! Let’s keep the fire going in October 🔥

09/21/2025

09/05/2025

Congratulations to our top producers of August 2025! Our relentless team always performs and never fails to impress. Consistency is key- let’s keep the momentum going in September!

08/06/2025

Congratulations to our top producers of July 2025! Our team’s dedication is undeniable, and inspiring as always. Here’s to another great month in August!

07/08/2025

Congratulations to our team for another month of excellent service! Here are our top producers of June 2025, and here’s to productivity in July!

06/11/2025

Here’s to another month of excellent service. We would like to thank our team for their hard work and dedication, and give a shoutout to our top producers of May 2025. Let’s keep the momentum going in June!

02/14/2025

Scale faster with small DSCR loans with our new $50,000 minimum loan amount.

Most lenders make small loans under $150K difficult—we simplify the process so you can keep scaling your investments.

Here are some guidelines that are specific to loan amounts under $150,000:

🔄 Refinances & Purchases

✔️ Rate/Term Refi – Pay off existing liens, closing costs, and get up to $5K cash-back, up to 75% loan to value.
✔️ Cash-Out – Up to 75% loan to value
✔️ Purchase - Up to 80% loan to value
✔️ Delayed Financing – Allowed, priced as rate/term, but underwritten as cash-out.
✔️ Title Continuity – At least one borrower must have held title for 6+ months.

📌 The Essentials
• No ATR, QM, or HPML requirements – This is a pure business-purpose loan.
• No limit on financed properties – We can service up to 10 loans per investor per borrower at a time.
• No income or DTI calculations – We only care about the property's cash flow.

🏡 Eligible property types

✔️ 1-4 unit residential properties
✔️ Warrantable condos & PUDs
✔️ Short-term rentals (Airbnb/VRBO) allowed
✔️ Unleased/vacant properties qualify using market rents

💰 DSCR calculation
• Leased Properties → Lower of lease or 1007 market rent
• Unleased → 100% of 1007 rent
• Short-Term Rentals → 12-month average of Airbnb/VRBO income

🔍 Credit & borrower eligibility for loans under $150k
• Min FICO 660+ (higher for max leverage)
• No bankruptcies in last 2 years
• Foreign nationals not eligible
• First-time homebuyers not allowed
• Valid SSN required – No ITIN loans

⚡ Prepayment Penalties

1-3 year options with 1/1, 2/1, and 3/2/1 step-downs – State law applies.

📢 This is the Loan Investors Asked For

Designed for real estate investors, not first-timers. Get the leverage you need, the structure you want, and the clarity that makes your deals scalable.

We know investors need flexible financing at all levels—whether you need $50K, $100K, or more, we’ve got you covered.

📩 Click “SEND MESSAGE” now to get started!

02/07/2025

Bought an Investment Property? Don’t Sell—Leverage a Cash-Out Refi Instead!

Most lenders make you wait 6–12 months before letting you refinance based on your property’s new market value—forcing you to use the lower purchase price instead.

Why wait? With our 1-day title seasoning, you can refinance immediately using the appraised value and unlock your equity fast.

Here’s How It Works:

You purchased a property for $350,000, invested $30,000 in a quick rehab, and secured a tenant. Now, the property appraises at $600,000.

Traditional lenders would make you wait months to recognize this higher value—we don’t.

✅ Refinance at 75% LTV based on the new $600,000 value—getting a loan of $450,000
✅ Use today’s appraised value, not the purchase price, to maximize cash-out
✅ Recoup your investment, free up capital, and reinvest in your next deal—without delays
✅ Keep your first mortgage intact with 2nd mortgage options available

Program Highlights:

🏘️ Investment properties only (1-8 units)
💰 Loan amounts up to $4M
📈 85% LTV on purchases & refinances, 80% LTV on cash-out
🕰️ 30 & 40-Year Interest-Only options
🏡 Short-term rental income? We say YES! (Airbnb, VRBO accepted)
📊 Low rental income? No problem—no-ratio options available
📉 Second mortgage options—preserve your low first-rate
📈 Minimum credit score: 620
💸 Cash-out amounts up to $1.5M
🚀 Prepayment flexibility: 0, 6, 12, or 36-month penalty options
📝 Close in an LLC—no hassles!

Maximize Your Buying Power & Keep Your Deals Moving

This strategy lets you pull cash out, reinvest, and repeat—without waiting months for lender restrictions.

Click “SEND MESSAGE” now, and let’s structure the best financing solution for you!

02/07/2025

Bought an Investment Property? Don’t Sell—Leverage a Cash-Out Refi Instead!

Most lenders make you wait 6–12 months before letting you refinance based on your property’s new market value—forcing you to use the lower purchase price instead.

Why wait? With our 1-day title seasoning, you can refinance immediately using the appraised value and unlock your equity fast.

Here’s How It Works:

You purchased a property for $350,000, invested $30,000 in a quick rehab, and secured a tenant. Now, the property appraises at $600,000.

Traditional lenders would make you wait months to recognize this higher value—we don’t.

✅ Refinance at 75% LTV based on the new $600,000 value—getting a loan of $450,000
✅ Use today’s appraised value, not the purchase price, to maximize cash-out
✅ Recoup your investment, free up capital, and reinvest in your next deal—without delays
✅ Keep your first mortgage intact with 2nd mortgage options available

Program Highlights:

🏘️ Investment properties only (1-8 units)
💰 Loan amounts up to $4M
📈 85% LTV on purchases & refinances, 80% LTV on cash-out
🕰️ 30 & 40-Year Interest-Only options
🏡 Short-term rental income? We say YES! (Airbnb, VRBO accepted)
📊 Low rental income? No problem—no-ratio options available
📉 Second mortgage options—preserve your low first-rate
📈 Minimum credit score: 620
💸 Cash-out amounts up to $1.5M
🚀 Prepayment flexibility: 0, 6, 12, or 36-month penalty options
📝 Close in an LLC—no hassles!

Maximize Your Buying Power & Keep Your Deals Moving

This strategy lets you pull cash out, reinvest, and repeat—without waiting months for lender restrictions.

Click “SEND MESSAGE” now, and let’s structure the best financing solution for you!

02/07/2025

Bought an Investment Property? Don’t Sell—Leverage a Cash-Out Refi Instead!

Most lenders make you wait 6–12 months before letting you refinance based on your property’s new market value—forcing you to use the lower purchase price instead.

Why wait? With our 1-day title seasoning, you can refinance immediately using the appraised value and unlock your equity fast.

Here’s How It Works:

You purchased a property for $350,000, invested $30,000 in a quick rehab, and secured a tenant. Now, the property appraises at $600,000.

Traditional lenders would make you wait months to recognize this higher value—we don’t.

✅ Refinance at 75% LTV based on the new $600,000 value—getting a loan of $450,000
✅ Use today’s appraised value, not the purchase price, to maximize cash-out
✅ Recoup your investment, free up capital, and reinvest in your next deal—without delays
✅ Keep your first mortgage intact with 2nd mortgage options available

Program Highlights:

🏘️ Investment properties only (1-8 units)
💰 Loan amounts up to $4M
📈 85% LTV on purchases & refinances, 80% LTV on cash-out
🕰️ 30 & 40-Year Interest-Only options
🏡 Short-term rental income? We say YES! (Airbnb, VRBO accepted)
📊 Low rental income? No problem—no-ratio options available
📉 Second mortgage options—preserve your low first-rate
📈 Minimum credit score: 620
💸 Cash-out amounts up to $1.5M
🚀 Prepayment flexibility: 0, 6, 12, or 36-month penalty options
📝 Close in an LLC—no hassles!

Maximize Your Buying Power & Keep Your Deals Moving

This strategy lets you pull cash out, reinvest, and repeat—without waiting months for lender restrictions.

Click “SEND MESSAGE” now, and let’s structure the best financing solution for you!