Overview
Velocity Mortgage Capital specializes in non-QM rental DSCR including mixed-use and small commercial properties — categories many national lenders won't touch.
Velocity Mortgage Capital is based in Westlake Village, CA and was founded in 2004. They operate nationally and offer rental DSCR, multi-family, mixed-use, commercial financing. Their loan amount range runs from $75K to $5.0M.
Key terms at a glance
| Loan type | Hard money / non-QM institutional |
|---|---|
| Products | rental DSCR, multi-family, mixed-use, commercial |
| Geographic coverage | National |
| Loan size | $75K – $5.0M |
| Interest rate range | 7.5% – 11% |
| Origination points | 1 – 3 |
| Max LTV | 75% of ARV |
| Max LTC | 85% of cost |
| Term lengths | 30-year amortization |
| Typical close time | 21-30 days typical |
Strengths
- mixed-use and small commercial expertise
- broad property type coverage
Ideal borrower
Investor with mixed-use or small commercial properties
How Velocity Mortgage Capital compares
As an institutional non-QM lender, Velocity Mortgage Capital's underwriting is templated and predictable. That is fast for a borrower who fits the box and inflexible for one who does not.
Coverage is the constraint most investors hit first. Velocity Mortgage Capital serves National, and lender licensing changes often enough that it is worth confirming your state before you get far into a file. Our state-by-state pages for Velocity Mortgage Capital cover the rules that differ by state — prepayment penalties, entity vesting and foreclosure mechanics.
Other lenders investors compare against
- The full lender directory — every lender we track, with terms side by side
- How DSCR qualification works — the ratio every one of these lenders underwrites to
- DSCR calculator — check coverage before you apply anywhere
Velocity Mortgage Capital FAQ
Velocity Mortgage Capital is based in Westlake Village, CA and serves National. Coverage changes as licensing changes, so confirm your state directly with the lender before relying on it.
Velocity Mortgage Capital's indicative rate range is 7.5%–11% with 1–3 points. Pricing depends on credit, leverage, coverage ratio and experience, and moves with the market.
Velocity Mortgage Capital's typical minimum loan is $75K, with maximum loan size up to $5.0M.
Velocity Mortgage Capital's typical close timeline is 21-30 days typical. Fast-close depends on documentation quality, title clarity, and underwriting load.
Velocity Mortgage Capital offers rental DSCR, multi-family, mixed-use, commercial financing. They also do DSCR rental refinance, which makes them a one-stop shop for BRRRR strategies.
Investor with mixed-use or small commercial properties
This review is an independent directory listing. DSCR Loan Program is not affiliated with Velocity Mortgage Capital, receives no payment for placement, and does not rank lenders in exchange for compensation. Rates, terms, and eligibility are determined by the lender and subject to change. Always verify current pricing directly with the lender before relying on any specifics.