Vertical Funding Capital

Lending Programs

Different loans for different borrowers.

Every borrower that steps into your office has a unique vision – and a unique set of circumstances that have led them to you. Our wide range of alternative, asset‑based mortgage programs allow brokers to service the needs of tough-to-qualify real estate investors, including W-2 employees, self-employed entrepreneurs and small business owners.

Here’s a summary of the residential investment and commercial mortgage programs we offer.

FlexTerm Loan

Designed for real estate investors seeking lower payments on a long-term, fixed-rate loan with no balloon payment.

  • 30-year fixed rate.
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

ARV Pro

Designed for “fix-and-flip” investors who are seeking a short-term, interest-only loan to acquire and improve a property based on its “as repaired value” (ARV).

  • 30-year fixed rate.
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Flex I/O

Designed for investors seeking short-term financing with no prepay penalties.

  • 30-year fixed rate.
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Fast50 Loan

Our Fast50 Loan is designed for investors with derogatory credit issues and high equity seeking quick and easy credit qualification.

  • 30-year fixed rate.
  • Interest-only payments up to 10 years.
  • Great for qualifying self-employed investors and small business owners.
  • Based on property value, not personal income.
  • Best alternative to hard money loans.
  • Investor 1-4 (SFR, Condo, and 2-4 Units)
  • Multi-Family (5+ Units)
  • Mixed-Use
  • Commercial (Office, Retail, Warehouse, Self-Storage, and Automotive)

Some Call Them Superhuman We Call Them VAs