Most lenders often rely on tax returns, bank statements, personal income calculations, and strict credit requirements. We specialize in real estate financing for investors and commercial property owners whose transactions may not fit conventional lending guidelines. Our programs are designed around the property, equity, and overall strength of the transaction.
No DSCR Requirement for One-to-Four-Unit Properties
Many investment property lenders require rental income to meet a minimum debt-service coverage ratio. Our available programs do not require a DSCR calculation for eligible one-to-four-unit residential investment properties. This can provide an alternative for properties with insufficient documented rental income, below-market rents, temporary vacancies, or other circumstances that make conventional DSCR qualification difficult. Short-term rental properties, including homes operated through Airbnb and similar platforms, may also be eligible.
Small Commercial, Mixed-Use and Multifamily Properties
- Small commercial properties
- Mixed-use buildings
- Multifamily properties
- Short-term rental properties
- Vacant properties
- Assisted living facilities
- Other eligible investor-owned real estate
No Tax Returns or Bank Statements Required
We understand that many real estate investors and business owners have complex financial profiles. That is why eligible transactions may be completed without personal tax returns or bank statements. We do not verify the borrower’s personal income for these programs. This can be particularly valuable for self-employed investors, borrowers with substantial tax deductions, and clients whose reported income does not accurately reflect their financial strength.
Financing Available Across the Credit Spectrum
A low credit score does not automatically prevent an investor from obtaining financing. We can consider borrowers across the FICO spectrum, including transactions involving borrowers with significantly challenged credit. Approval is not based on credit alone. The property, available equity, down payment, exit strategy, and complete transaction profile remain important parts of the evaluation.
No Sourcing of Down-Payment Funds
Eligible borrowers are not required to document or source their down-payment funds. This reduces paperwork and may make financing more practical for experienced investors who use funds from multiple business or investment sources. Borrowers must still have the funds required to complete the transaction, including the applicable down payment, closing costs, and reserves.
Bridge and Fix-and-Flip Loans
We offer short-term financing for investors who need to purchase, renovate, reposition or stabilize a property. Bridge loans may be used when a borrower needs to close quickly, acquire a vacant property, or hold an asset temporarily before securing permanent financing. Fix-and-flip loans are available for qualified investors purchasing properties that require improvements before resale or refinancing. A clearly defined exit strategy is an important part of every short-term financing request.
Financing for Foreign Buyers
Foreign nationals and international investors may also be considered. These programs can help qualified buyers finance eligible U.S. real estate without relying on the income documentation commonly required by big box banks.
Financing for Unconventional Transactions
Not every strong real estate transaction fits inside a conventional lending box. If you are financing a one-to-four-unit rental, an Airbnb property, a mixed-use building, a multifamily asset, a vacant property or an assisted living facility, VelocityCommercialFunding.com can evaluate the deal based on its individual merits.
Contact us to discuss your property, financing needs, and proposed exit strategy. Program availability, loan terms, and approval requirements vary by transaction.
