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Innovative Financing Solutions

Building trusted relationships is the cornerstone of how we do business. As a dependable, collaborative partner, we provide a steady hand to see deals from start to completion.

About Us

Vi Capital Lending understands the unique complexities of startups and growth-stage companies. We’re able to quickly and efficiently structure loans to help your business flourish.

 

Our specialty is providing loans to small and medium-sized businesses whose needs are increasingly not being met by traditional financing sources.

At Vi Capital Lending, we pride ourselves on being nimble and adaptive. As market conditions change, we can continue to serve our clients throughout the credit cycle. 

 

We have the flexibility and creativity to structure deals customized for a company’s unique financial situation. From the creditworthy to the credit challenged, we get the right loan for you. 

Fix and Flip

For real estate investors, fixing and flipping property has been moved to the forefront as a great opportunity to diversify their portfolio.  This is one greatest way you can add to your income and move closer to financial freedom.

There are various advantages to fixing and flipping and there are obstacles to flippers as a first-timer, we add support with our consulting.

Fixing and flipping is when an investor purchases a property, remodels the property to add value, and then typically lists it on an MLS to sell to an end buyer.

The “70% Rule” provides investors with basics for how to calculate the spending cap for an investment property. Paying too much for a property, in addition, to repair costs, can put you in a bad position. This will increase costs and leave less profit.  Knowing what to offer can make or break your profit. The “70% Rule” is that an investor should pay no more than 70% of the after-repair value (ARV).  This calculation is the purchase cost plus the repair cannot total over 70% of the After Repair Value / Sale Price.

Renovation expenses from labor to materials, are often the obvious items you must master. The next item is finding good sub-contractors.

Key Factors

  • Corp Docs

  • Credit

  • Experience

  • LTV / ARV

  • Cash to Close (fees and equity payment

  • Property ready-ness

Inquire about our consulting to assist you with the process. We will work with you through the entire project.

New Construction

Key Factors

  • Corp Docs

  • Credit

  • Experience

  • LTV / ARV

  • Cash to Close (fees and equity payment

  • Property ready-ness

Inquire about our consulting to assist you with the process. We will work with you through the entire project.

New construction projects are not for the new combers. Experience is a must when doing new construction. The opportunity as a flipper can grow to new construction.

New construction refers to site preparation for, and construction of, entirely new structures and/or significant extensions to existing structures whether the site was previously occupied.

The stages of new construction are just the beginning. From preparing the homesite, laying the foundation, framing, installing HVAC, plumbing, electrical, adding insulation, drywall, interior and exterior finishes, and final walk-through seem simple but the coordination along with weather and managing subs are not for the inexperience.

The 70% rule applies to new construction the same as it does to fix and flip. Your land and build cost should not exceed 70% of the sale price. The lower your total cost, the higher your profit. Building from scratch may be a more expensive option than renovating but oftentimes a new build is the best option for your specific project.  New construction allows for the application of modern technology throughout the building for everything from electrical to sustainability considerations. New builds also often mean lower maintenance costs over time.

Inquire about our consulting to assist you with the process. We will work with you through the entire project.

 

New construction is generally a large component of development. New build real construction project consists of new construction at scale. New construction development is building multiple homes to create a community. This process has a much more complex pre-build / pre-development process.  Experience is even more relevant in this process.

Rental Property Purchase

Key Factors

  • Corp Docs

  • Credit

  • Experience

  • LTV / ARV

  • Cash to Close (fees and equity payment

  • Property ready-ness

Inquire about our consulting to assist you with the process. We will work with you through the entire project.

An investment non-owner occupied property is real estate property purchased with the intention of earning a return on the investment through rental income. Along with the possibility of rental income, there is the potential for future resale of the property. The property can be held by an individual investor, a group of investors, or a corporation.

Credit and experience are large factors in obtaining a rental loan. Another factor that ways heavily is the DEBT SERVICE COVERAGE RATIO. (DSCR) This is simply the monthly profit/cash flow. The income must be greater than the payment. One example of a 1.0 DSCR is a mortgage payment of $1,000 and a $1,000 rental income. The 1 to 1 ratio is a break even. A 1.2 DSCR is a mortgage payment of $1,000 and a $1,200 income create a $200 profit.

Loan to value (LTV) is a big component in your down payment. Credit and experience again play a large role in your leverage.

An investment property can be a long-term investment or a short-term investment relative to your perspective. Generally, with a rental loan, there is a pre-payment penalty.  To secure a rental loan, you must keep the property for a minimum of 3 years without receiving a 3-5% penalty based on your balance at the sale. Typically, it’s a 5-year hold and longer without penalty.  The term "investment property" is sometimes looked at as passive investing or passive income. Passive income generally takes less work and is less of a risk to the investor.  The rental approach can create long-term, consistent income while creating equity. The tenant's income can create equity by paying down the debt while creating equity.

Rental income has been how generational wealth has been created for decades.

Investment properties are those that are not used as primary residences. They generate some form of income—dividends, interest, rents, or even royalties—that fall outside the scope of the property owner's regular line of business. The way in which an investment property is used has a significant impact on its value.  Investors sometimes conduct studies to determine the best, and most profitable, use of a property. This is often referred to as the property's highest and best use.

For example, if an investment property is zoned for both commercial and residential use, the investor weighs the pros and cons of both until they ascertain which has the highest potential rate of return. They then utilize the property in that manner.

Cash-Out Refinance
Rental Loan

Key Factors

  • Corp Docs

  • Credit

  • Experience

  • LTV / ARV

  • Cash to Close (fees and equity payment

  • Property ready-ness

Inquire about our consulting to assist you with the process. We will work with you through the entire project.

A Cash-out refinance or often referred to simply as a cash-out refi for a property works the same way your primary residence.  You take out a new loan for your current property value, pay off the existing loan balance, and keep the difference in cash.

This loan is a great way to grow your portfolio. This type of leverage is often used to provide investment capital. As a real estate investor, your equity in a property can be leveraged to be used for down payment equity needed to do a fix and flip, new construction, or development.

The process is like a typical rental loan.  The Loan to Value (LTV) is typically lower by 5%.  An example is that a rental loan max is generally 80%, whereas a cash-out refi is going

to be 75%. 

When we are looking at max leverage on a particular loan is going to be based on the client’s credit and experience. The opportunity to perform in real estate is based on many factors. Credit and experience are large factors when getting any real estate loans. Another factor that way heavy is the DEBT SERVICE COVERAGE RATIO.  This is simply the monthly profit/cash flow. The income must be greater than the payment. One example of a 1.0 DSCR is a mortgage payment of $1,000 and a $1,000 rental income. The 1 to 1 ratio is a break even. A 1.2 DSCR is a mortgage payment of $1,000 and a $1,200 income create a $200 profit.

The same factors that it takes to meet requirements for a rental purchase will apply.

Unsecured Capital

Key Factors

  • 680 Credit Minimum

  • Last year's tax returns ($50,000) minimum gross income)

12% AND UP FEE CHARGED TO APPROVED LOANS. Fees will be deducted from capital funded

Allow 2-3 weeks for funding based on timely ness of documents received from the client.

The need for money to start up your real estate business is one of the largest hurdles investors face. The cash to close is a starting point for investors and if the profits are allocated to do more deals, the need for unsecured capital will only be used to scale.

An unsecured loan is a loan that doesn’t require any type of collateral. Instead of relying on a borrower’s assets as security, lenders approve unsecured loans based on a borrower’s creditworthiness. Examples of unsecured loans include personal loans, student loans, and credit cards.

Our unsecured product is not complex. It is truly a matrix that is formulated based on a client’s creditworthiness and tax returns.  When clients complete the application and a credit pull will be performed, including last year’s tax returns and the last 30 days of check stubs. (If employed) to evaluate the amount of capital a client can receive.

The means by which capital is disbursed can be a mix of term loans, credit lines, or credit cards (0 to low-interest cash-out cards).

The process is simple, but the amounts are collateral to your tax returns and credit. The higher the credit and the higher your taxable income the higher your capital eligibility.

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