Discover our loan programs or let us custom tailor the right option for you based on datadriven investment strategy.
Designed for investors looking to acquire, renovate, and resell properties quickly with flexible, fast funding available nationwide.
Loan Highlights:
Loan Amounts: $75,000 – $2,000,000
Rates: Starting at 9.9%
Term: 6–12 months (extension options available)
Payments: Interest only during the loan term
LTV: Up to 90%
Minimum Credit Score: 620
Program Benefits:
No prior experience required
Fastest draw process in the industry
No appraisal required on most loans
No junk fees
No prepayment penalty
No tax returns required
No personal financial statements required
Eligible Properties:
Residential (SFR & 2–10 units)
Our DSCR loan program is designed for real estate investors looking to grow their portfolio without relying on personal income.
Loan Highlights:
Loan Amounts: $100,000 – $3,500,000
(Blanket portfolio loans up to $5,000,000)
Rates: Starting at 5.8%
Term: Up to 30 year fixed rate mortgage
LTV:
Up to 80% (Rate & Term)
Up to 75% (Cash-Out Refinance)
Minimum Credit Score: 680
Program Benefits:
No tax returns required
No personal financial statements required
Foreign national options available
Occupancy Types:
Long term rentals
Mid term rentals
Short term rentals
Vacancy allowed on purchase
Requirements:
Appraisal required
Cash-out refinance loans allow investors to unlock equity from their rental properties providing fast, flexible capital to reinvest or expand their portfolio without selling assets.
Loan Highlights:
Loan Amounts: $100,000 – $3,500,000
(Blanket portfolio loans up to $5,000,000)
Rates: Starting at 5.8%
Loan Structure: 30 year fixed rate mortgage
LTV: Up to 75%
Minimum Credit Score: 660
Program Benefits:
No tax returns required
No personal financial statements required
Access equity without selling the property
Designed for new builders, experienced builders and developers with shovel ready lots or teardown projects. Ideal for spec homes, model homes, infill developments, and subdivisions.
Loan Highlights:
Loan Amounts: $75,000 – $2,000,000 per unit
Rates: 9.9% – 11.9%
Term: 12–18 months (extension options available)
Payments: Interest-only during the loan term
LTC: Up to 95%
LTV: Up to 75%
Minimum Credit Score: 680
Program Benefits:
No prepayment penalty
Quick draw process
Built for spec, infill, teardown, and subdivision projects
We specialize in structuring financing solutions for business owners and investors looking to acquire or refinance commercial real estate.
Loan Highlights:
Loan Amounts: $300,000 – $500,000,000
Loan Types: Fixed, variable, and interest only options available
Structure: Recourse and non recourse options
LTV: Up to 100% (case by case)
Term: Up to 30 years
Eligible Property Types:
Multifamily
Office
Retail
Industrial
Mixed use
Hospitality
Specialty assets
Program Benefits:
Flexible structuring based on investment strategy
Access to a wide range of capital sources
Still uncertain about loan details or terms? Explore a few of our frequently asked questions below.
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.
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.
No experience is required! Ventura Capital is dedicated to helping first-time investors get started and grow their portfolios.
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.
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.
entura Capital requires a minimum credit score of 620 for Fix and Flip loans.
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.
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.
We typically require a minimum credit score of 680 for New Construction 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.
We calculate DSCR by dividing projected monthly rental income by your monthly payment, which includes principal, interest, taxes, insurance, and HOA dues.
Yes, Ventura Capital lends on condos. Some restrictions on LTV and DSCR may apply based on the specifics of the condo.
Our ITIN loan products are specifically designed to support investors who hold an Individual Taxpayer Identification Number (ITIN), making real estate investment accessible to more members of our community regardless of their citizenship status.
Designed for those who hold an Individual Taxpayer Identification Number (ITIN), making investment more accessible to members of our community.
We understand that financial backgrounds vary, and our application process is designed to be inclusive and flexible.
As with all our lending options, ITIN loans come with a streamlined approval process, so you can access capital quickly.
Our ITIN loan products are structured with non predatory interest rates, helping you achieve financial success.
Still uncertain about loan details or terms? Explore a few of our frequently asked questions below.
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
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.
