VirtuaLending

09/26/2026

Cash out up to $2M with no minimum credit score.* 🏡💰

* Up to 60% loan-to-value on refinances 📈
* No personal income documentation 📄
* Vacant properties OK 🏠
* No rents needed 🔑

Options up to 50% loan-to-value for:

* Extensive mortgage lates ⏰
* Recent bankruptcy
* Recent foreclosure or loans currently in foreclosure
* Refinances with no title seasoning ⚡

🏢 Available for 1–4 units, multifamily, mixed-use, office, retail, warehouse, self-storage and automotive properties.

💵 Need a larger loan? Financing up to $10M is available with credit scores starting at 600.

🏡 Buying instead? Get up to 75% loan-to-value with no minimum credit score on eligible loans up to $2M.

💬 Press SEND MESSAGE to get an instant quote!

Amounts shown are total loan amounts. Payoffs and closing costs reduce cash received. The $2M–$10M program is for experienced investors in major metropolitan areas, with maximum 60% LTV at 600–649 FICO and 65% at 650+. Credit-event options above apply to the smaller-loan program. Business-purpose loans only. Property and program eligibility vary. Subject to underwriting and approval.

09/18/2026

Cash out up to $10M
No income. No rents needed. Credit scores from 600.
• 🏡 Vacant properties OK
• $2M–$10M loan amounts
• Up to 65% LTV*
• 30-year fully amortizing terms
• 0 year pre payment options available
• Houses, condos and 2–4-unit investment properties
• No rents needed
• Vacant properties OK
• One-day title seasoning
• Listed for sale OK
• No title seasoning
• No reserve requirement
• ITIN / Foreign National OK

Below 600 is possible for loans under $2M.

For experienced investors in major metropolitan areas. Maximum 60% LTV at 600–649 FICO; 65% at 650+. Amount shown is the total loan. Subject to underwriting and approval.

Press SEND MESSAGE to get a full quote!

06/01/2026

Just bought a rental that’s already worth more?

You don’t have to wait 6 months to use the new value.

Our no-seasoning cash-out DSCR guideline allows eligible investors to cash out using today’s appraised value, not just the purchase price.

This is built for investors who bought right, added value, or picked up a property with equity already built in.

• No 6-month seasoning required
• Use the new appraised value
• Up to 75% LTV if unleased using market rent
• Up to 80% LTV if repairs or improvements can be shown
• Appraisal transfers may be accepted up to 120 days old
• DSCR based on market rent or current lease
• Quote based on proposed credit score first
• Soft credit check only to verify terms
• Three quote options based on your scenario
• Full transparency on rate, points, payment, and prepay
• Access to pricing from 100+ wholesale lenders and investors

If you bought a property below market value, you may be sitting on usable equity right now.

Send a message to get no-seasoning cash-out terms with no commitment.

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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!