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Loan Programs

Discover our loan programs or let us custom-tailor the right option for you based on data-driven investment strategy.

 

Fix & Flip

Loans for investors who are buying distressed properties, rehabbing, and selling.

  • Loan Amounts: $75K - $2M
  • Rates: 9.90%-11.90%
  • Payment: Interest Only
  • LTC: Up to 93% (90% of Purchase, 100% of Rehab)
  • LTV: Up to 75%
  • Term: 6-12 months (with extension options)
  • Financing for purchase and renovation costs
  • Quickest draw process in the industry
  • Property Types: Residential (SFR & 2-10 Unit)
  • NO Appraisal Required (on most loans)
  • NO Junk Fees
  • NO Prepayment Penalty: Payoff the loan at anytime
  • Credit Score: 600 Minimum
  • No tax returns or personal financial statement required
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Rental

Loans designed for residential, short-term rental, and vacation rentals up to 10 units.
  • Loan Amounts: $75K - $3.5M (Blanket Portfolio Loans up to $5M)
  • Rates: Starting at 5.50%
  • Occupancy: Vacancy OK (on Acquisitions), no operating history required on STRs
  • Loan Structure: 30-Year Fixed Rate Mortgage
  • LTVs: Up to 85% (Acquisitions/Rate-Term Refinances), 75% (Cash-Out Refinances)
  • No tax returns or personal financial statement required
  • Credit Score: 640 minimum

 

Cash-Out/Refi

Cash-out loans let you unlock the equity in your rental properties, providing fast, flexible funding to reinvest, finance new projects, or cover expenses—all without selling your assets.

  • Loan Amounts: $75K - $3.5M (Blanket Portfolio Loans up to $5M)
  • Rates: Starting at 5.50%
  • Loan Structure: 30-Year Fixed Rate Mortgage
  • LTVs:  75%  
  • No tax returns or personal financial statement required
  • Credit Score: 640 minimum
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New Construction

Loans for builders with shovel-ready lots or teardown projects. Spec houses or model homes, infill, teardown, or subdivisions.

  • Loan Amount: $75,000 - $2 Million Per Unit
  • NO Prepayment Penalty
  • Term: 12-18 Month Term (with extension provisions)
  • No pre-payment penalty
  • Interest: 10.5% - 11.9%
  • Monthly Interest Only Payments
  • Quick draw process
  • Discounted pricing for repeat borrowers
  • LTC: Up to 85% Loan to Cost
  • LTV: Up to 65% Loan to Value

 

Commercial

Our expert team is here to help you find the ideal loan structure to match your business goals, whether you’re looking to purchase or already own a commercial property. We offer flexible financing options and personalized guidance every step of the way.
 
  • Loan amounts from $100,000 up to $50+ million, depending on loan type 
  • Fixed, variable, and interest-only rate options 
  • Both non-recourse and recourse structures available 
  • LTV up to 100% 
  • Terms available up to 30 years 
  • Suitable for a variety of asset classes  
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ITIN (Tax ID)

Designed for those who hold an Individual Taxpayer Identification Number (ITIN), making investment more accessible to members of our community.

  • Up to 70% LTV
  • No Social Security Required
  • Competitive Interest Rates
  • US Banking and valid passport required
Questions?

Loan FAQs

Still uncertain about loan details or terms? Explore a few of our frequently asked questions below. 

What is a New Construction loan?

A New Construction Loan is a short-term loan for financing the construction of a new property. Investors use Ventura Capital because of our quick approval process, competitive terms, and a commitment to helping you bring your vision to life.

What are the key benefits of working with Ventura Capital for construction loans?

Ventura Capital offers fast closings, competitive interest rates, and a transparent, relationship-focused approach. We ensure that the terms you see at the start are the same at funding, with no hidden fees or surprises.

What is the minimum credit score required for a New Construction loan?

We typically require a minimum credit score of 680 for New Construction loans.

How much down payment do I need for a New Construction loan?

You will typically need at least 15% down for a ground-up construction loan.

What is the maximum Loan-to-Value (LTV) ratio for New Construction loans?

Ventura Capital’s maximum LTV is typically 65%, based on our internal property valuation.

Can I finance both the purchase and the construction costs?

Yes, our New Construction loans can cover both the purchase of the land and the cost of construction.

Are there prepayment penalties on New Construction loans?

No, we do not charge prepayment penalties on New Construction loans.

How do I apply for a loan with Ventura Capital?

You can apply easily by filling out our loan application form, and our team will provide you with a customized term sheet within 24 hours.

What is the minimum down payment required for Rental property loans?

At Ventura Capital, you can secure a loan with as little as 20% down for residential properties. For multifamily (5-8 units) or mixed-use properties, a 25% down payment is required.

Can I finance a vacant property that I plan to lease?

Yes, vacant properties are eligible for financing. We use market rent projections to estimate cash flow and qualify your loan. Short-term and vacation rental properties are also eligible based on industry data projections.

Do I need prior experience as an investor to qualify for a loan?

No experience is required! Ventura Capital is dedicated to helping first-time investors get started and grow their portfolios.

Can I borrow through an LLC with multiple partners?

Yes, borrowing through an LLC is encouraged. We require a personal guarantee from anyone holding over 25% ownership, and we allow up to four guarantors per loan.

Does Ventura Capital require tax returns for loan approval?

No, we do not use tax returns or income verification in our loan process. Debt-to-Income
(DTI) ratios are not factored into our underwriting.

How does Ventura Capital calculate DSCR (Debt Service Coverage Ratio)?

We calculate DSCR by dividing projected monthly rental income by your monthly payment, which includes principal, interest, taxes, insurance, and HOA dues.

Are condos eligible for rental property loans?

Yes, Ventura Capital lends on condos. Some restrictions on LTV and DSCR may apply based on the specifics of the condo.

What is a Cash-Out Refinance, and how can it benefit me?

A cash-out refinance allows you to access the equity in your existing rental property by refinancing your loan for more than what you currently owe. The difference is paid out to you in cash, which can be used for any purpose, such as investing in other properties or funding renovations. Ventura Capital specializes in providing cash-out refinancing options tailored to real estate investors, enabling you to leverage your assets for new opportunities.

How much can I borrow with a Cash-Out Refinance?

The amount you can borrow depends on the value of your property and your remaining mortgage balance. Typically, Ventura Capital allows you to borrow up to 75%-80% of your property’s appraised value, minus any existing mortgage debt.

What is a Fix and Flip Loan, and how does Ventura Capital assist with this?

A Fix and Flip loan is designed for investors who want to purchase, renovate, and sell properties for a profit. At Ventura Capital, we offer flexible funding to support these short-term investments, covering both acquisition and renovation costs. Our team provides guidance throughout the entire process, helping you maximize your returns.

What kind of properties are eligible for Fix and Flip loans?

Eligible properties include single-family homes, multifamily units up to 4 units, and other
residential properties that require minor to major renovations. Our loans are structured to help you secure and improve properties quickly to capitalize on market opportunities.

Why do real estate investors use private lenders?

Investors use hard money loans for speed, higher leverage, and greater flexibility. Ventura Capital focuses on relationships and reliability, ensuring capital you can trust to close deals quickly and effectively.

What are the credit requirements for a Fix and Flip loan?

Ventura Capital requires a minimum credit score of 620 for Fix and Flip loans.

How much down payment is required for a Fix and Flip loan?

Typically, at least 10% down payment is required, though this may vary depending on the specifics of the loan.

Do you finance both purchase and renovation costs?

Yes, we provide funding for both the purchase and renovation of properties.

Is there a Fix & Flip loan prepayment penalty?

No, Ventura Capital does not charge prepayment penalties on Fix and Flip loans.

How quickly can you close on a loan?

We can close in as little as 48 hours if all necessary parties are ready to proceed.

What are ITIN Loans, and who qualifies for them?

ITIN (Individual Taxpayer Identification Number) loans are tailored for individuals who do not have a Social Security number but have an ITIN. These loans are ideal for undocumented immigrants or foreign nationals looking to invest in real estate. Ventura Capital is committed to supporting minority communities, including ITIN holders, by
providing accessible and flexible lending options.

Do you require proof of income for ITIN Loan?

To qualify for an ITIN loan, you DO NOT need to provide proof of income, employment verification, and a history of timely payments on other financial obligations. We do not require a Social Security number or U.S. citizenship, making this loan accessible to a broader range of clients.

What are the requirements for an ITIN Loan?

We require a valid passport, US-based banking, and in the case of rental properties a US-based property management company

Apply now to get started

Take the first step toward securing the funding you need to grow your real estate investments with Ventura Capital's quick and easy application process.