Business Details
Investment Property Mortgage Solutions Nationwide
Velocity Commercial Capital is a nationwide direct portfolio lender specializing in investment property loans for residential 1-4 multi-family, mixed-use, and small commercial properties. Our asset-based mortgage programs cater to independent real estate investors and small business owners who often struggle with traditional bank loans, including W-2 employees, self-employed entrepreneurs, and small business owners. We provide brokers access to a $267 billion underserved market with fewer competitors and high repeat business potential. Our flexible solutions include programs like FlexTerm Loan, ARV Pro, and Foreign Investor Loan, designed to meet diverse borrower needs.Through our enhanced Broker Portal, we offer secure document management, electronic signatures, and dedicated Account Executives with expertise in investment property financing. Our WIN research initiative provides market insights into investor behavior, helping brokers better serve clients. With offices in six major U.S. cities, we combine national strength with localized service to streamline the lending process for both brokers and borrowers.
Services
Investment Property Loans
Commercial Mortgages
Mortgage Broker Programs
Asset-Based Financing
Foreign Investor Loans
Highlights and features
- We specialize in asset-based mortgage programs for non-traditional borrowers.
- Our enhanced Broker Portal streamlines loan tracking and document management.
- We offer nationwide service with localized expertise in six major markets.
- Our WIN research initiative provides data-driven insights into investor behavior.
- We provide dedicated Account Executives with investment property financing expertise.
Associations and certifications
- California Finance Lenders License #603A366
Services
Investment Property Loans
Our investment property loans serve residential 1-4 multi-family properties, providing flexible financing solutions for real estate investors. These programs prioritize property value over personal income, enabling borrowers with non-traditional income sources to qualify. Our streamlined underwriting process and competitive loan terms help investors acquire and expand their portfolios efficiently.
Commercial Mortgages
We offer commercial mortgages for small business owners seeking financing for office spaces, retail locations, warehouses, and self-storage facilities. Our asset-based approach focuses on property value rather than business financials, making it easier for entrepreneurs to secure funding. These loans support business expansion and property acquisition with tailored repayment terms.
Mortgage Broker Programs
Our mortgage broker programs provide professionals with access to exclusive financing solutions and marketing resources. Brokers receive training materials, digital marketing assets, and dedicated account management support. This partnership model helps brokers serve non-traditional borrowers while capitalizing on a $267 billion underserved market opportunity.
Asset-Based Financing
Our asset-based financing solutions prioritize property value over borrower income, catering to self-employed entrepreneurs and investors with non-traditional income streams. These programs offer higher loan-to-value ratios than conventional lenders, with flexible terms that accommodate unique financial situations while maintaining competitive interest rates.
Foreign Investor Loans
Foreign investor loans enable international buyers to purchase U.S. investment properties without requiring domestic credit history. These programs offer up to 65% LTV financing with 30-year fixed rates, providing market access to global investors seeking U.S. real estate opportunities through simplified qualification criteria.
Questions
What types of properties do you finance?
We finance residential investment properties (single-family homes, condos, 2-4 units), multi-family buildings (5+ units), mixed-use properties, and small commercial buildings (office, retail, warehouse).
Do you work directly with investors or only through brokers?
We primarily work with licensed mortgage brokers who connect us with investors. Brokers gain access to our specialized programs, marketing tools, and dedicated account management support.
What underwriting criteria do you use?
Our asset-based programs focus on property value rather than personal income. We consider loan-to-value ratios, property cash flow potential, and borrower experience in real estate investing.
How quickly can loans close?
Our streamlined process typically closes loans faster than traditional lenders. Simple transactions can close in as few as 15-20 days with our efficient digital document management and experienced underwriting team.
Do you offer financing for property renovations?
Yes, our ARV Pro program finances improvements based on the property's as-repaired value, helping investors increase rental appeal and maximize appreciation potential through short-term interest-only financing.
