Start Your
Application.
This is a pre-loan application — not a full credit package. We need the deal basics: property, loan product, and your exit strategy. Asset-based underwriting means no W-2s, no tax returns, no pay stubs.
Submit Your Deal to Vytis Capital
Our pre-loan application takes less than 5 minutes. Tell us about the property and loan you need — we'll handle the rest.
Open Application FormOpens in Adobe Acrobat · New tab
Preparation
What to have ready
No income docs. No employment history. Just the deal details — that's all we need to begin our review.
Property Address
Full address of the subject property. We'll verify state eligibility and run initial checks.
Loan Product Needed
Fix & Flip, DSCR Rental, Bridge Loan, or Cash-Out Refi — know which product fits your deal.
Purchase Price or Current Value
What you're paying or what the property is currently worth. Needed to calculate LTV.
Estimated ARV (if Fix & Flip)
After Repair Value — your post-rehab valuation. This is the basis for LTV on flip deals.
Exit Strategy
How you plan to repay. Sale after rehab, conventional refi, long-term hold — be specific. This is critical to approval.
Loan Amount Requested
Minimum $50,000. Know the amount you need so we can structure the deal correctly from the start.
What Happens Next
Three steps from submission to term sheet
After you submit your application, here's exactly what to expect from us.
Submit
Complete the pre-loan application via our secure Adobe Acrobat form. Property basics, loan type, loan amount, and exit strategy. Takes under 5 minutes.
We Review
We evaluate the deal on LTV, equity, exit strategy, and property potential — not income. If we have questions, we'll reach out quickly. If it doesn't qualify, we'll tell you why immediately.
Term Sheet
If the deal qualifies, you receive a clear term sheet: loan amount, rate, term, LTV, and conditions. No surprises. Fast close proceeds from there.
FAQ
Common questions
Answers to what investors ask us most before applying.
Do I need to provide income documentation?
No. Vytis Capital uses asset-based underwriting. We evaluate the property's equity, LTV, and your exit strategy — not your W-2s, tax returns, or pay stubs. This is true for all four loan products.
What is the minimum credit score to qualify?
The minimum FICO score is 650. Credit gets you to the table — but it's not the primary underwriting factor. A strong deal with solid equity and a clear exit strategy carries significantly more weight than a high credit score.
What is the minimum loan amount?
The minimum loan is $50,000. There is no published maximum — we evaluate deal size in context of the property value, LTV, and loan product. Loans must also fall within the applicable county FHA loan limit.
What states do you lend in?
We are active in most U.S. states. We are currently not lending in California, Oregon, Idaho, Arizona, North Dakota, Minnesota, New York, New Jersey, or North Carolina. Nevada, Utah, and Vermont are available by referral only.
Ready to apply?
Submit your pre-loan application now. No income docs, no delays. Just the deal.
Or reach out by email:
Vytis Capital LLC · cashvytis.com · Euclid, Ohio