Your Rental Income
Qualifies You for the Loan
1-4 Units – Non-owner occupied
Your rental income
on the subject property
qualifies you for the loan
Purchase or Refinance
Cash out and interest only payments available
Minimum Mid Credit score 640
Minimum Loan amount $75,000.
DSCR > 1.01 (will consider lower)
We are partnered with over 100 direct lenders, multiple pools of private investors, 2 thrifts that fund on Wall Street, a hedge fund with billions to lend, and 21 Life Companies.
Ask about our full doc programs!
Always at your Service!
Please do not hesitate to call!
Licensed CA Real Estate Broker since 2000
Recap of our Loan Products:
- Hard Money Loans (20% down / minimal documentation) Typically Fund in 7-10 days.
- Stated Income Loans (Great for business owners and self-employed ) No tax returns!
- 100% financing is available (we can cross collateralize other properties if there is enough equity)
- Investor Cash Flow Loan – No tax returns or DTI calculation! Based on subject property cash flow – 1% DCR!
- Flipper & Rehab Loans (Flip a property with one of our many options)
- 2nd Position Loans up to $5mm
- Raw Land & Lot Loans
- Ground up Construction for spec homes, custom homes and commercial ground up.
- Farms, Vineyards, Ranches and Agricultural Properties (25-30% down)
- 5% down Jumbo’s with NO MI up to $2mm / 10% down up to $3mm
- Manufactured Housing / Mobile Homes (20% down / 600+ credit score)
- Acreage Properties
- Commercial Loans up to $500mm
- 3% & 5% down Conventional Loans- LPMI (Lender paid mortgage insurance)
We also offer:
- 10, 15, 20, 25, 30 year Fixed, Conventional Conforming Loans (under $484,350k)
- High Balance Conforming aka Super Conforming (from $484,350-$726,525)
- Jumbo’s to $10 Million / Super low rates! / 10% down Jumbo to $3mm
- FHA, VA, USDA
- Reverse mortgages up to $1 Million Value
- Refinance including Cash Out
CA DRE #01022277
NMLS # 1638964
Valor Lending Group
“Pride in Lending”
Diamond View Tower
350 10th Ave – 10th Floor
San Diego, CA
Cell: (858) 442-1854
Fax: (619) 255-0602