Tailored lending by Vault Funding. Designed for real estate pros, built for BRRRR Investors.
Tap the Vault.
- 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.
- FICO scores as low as 640.
- Loans closing in 10-15 days. Watch out for lenders taking 30+ days to close, slowing you down and costing you money.
- Rates range from 1-3% at closing and 8-12% APR* and are heavily deal centric.
- Our lowest pricing is available for borrowers with higher credit scores, some investment experience and cash for down payments, but we offer flexible programs designed to make more deals work with rates that reflect the terms. Other lenders just say “no.”
- Low lender fees of $900 or less per transaction (save $400 – $900 per deal compared to other lenders).
- Easy and fast draw requests to keep your renovation timeline on track.
- You do not need to have your tenant in place to start your refinance.
- 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.
- 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 620. 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?
- Our team can turn a full BRRRR transaction in as little as 45 days (purchase and refinance), that’s eight properties per year that you can add to your portfolio vs. only two with a lender requiring six months’ of seasoning.
- 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 on their second and subsequent loans.
*Rates are dependent on credit score, experience, LTV, geography, down payment, amount of rehab and the underlying asset.