Vytis Capital LLC funds non-owner occupied investment properties — fix & flip, DSCR rentals, bridge, and cash-out refi. We qualify deals on asset value and equity, not income statements. Min 650 FICO. Loans from $50K.
Loan Products
All products are for non-owner occupied investment properties — single-family and multifamily 2–5 units.
Short-term capital to acquire and renovate non-owner occupied properties. Qualified on ARV — After Repair Value — so you can move quickly and maximize returns.
Long-term rental financing qualified entirely on property cash flow — no personal income verification required. DSCR of 1.0 or above gets the deal done.
Short-term capital to acquire a property while you arrange permanent financing. Perfect for time-sensitive deals where conventional lenders move too slowly.
Pull capital from investment properties you already own. Reinvest in new deals, fund rehab budgets, or capitalize your operation — without selling the asset.
The Process
We move fast because we focus on the deal, not the paperwork. Here's exactly what happens after you reach out.
Send us the property address, loan product you need, purchase price or current value, and your exit strategy. No lengthy applications — a brief overview is all we need to start.
We evaluate your deal on what matters: LTV and equity contribution, borrower experience, property income potential, and exit strategy clarity. Your 650+ FICO gets you to the table — the asset closes the deal.
Once we're comfortable with the deal, you receive a clear term sheet: loan amount, rate, term, LTV, and conditions. No surprises. We verify the loan fits within the county FHA loan limit before moving forward.
We confirm property details, finalize docs, and coordinate with title. We're built for speed — not bureaucracy. Fix & flip and bridge deals close in days, not weeks.
Capital is deployed. You execute your strategy — flip, hold, or refi. We stay available for your next deal. Our best borrowers come back because we make the process repeatable.
Our pre-loan application takes minutes. No income docs required — just the deal basics.
Qualification
We're asset-based lenders. Here's our underwriting priority, from most important to least.
The primary driver. You must have meaningful skin in the game. We base LTV on ARV for flips and current appraised value for rentals and cash-out refi.
Prior rehab, rental management, or real estate investment experience is weighted heavily. First-timers aren't disqualified, but experienced investors get priority.
You need a clear, credible plan to repay. Sell after rehab, refinance into conventional, or hold as a rental — we need the path, timeline, and logic to support it.
For rentals, does the property cash flow at a DSCR ≥ 1.0? For flips, is the ARV realistic and is the margin healthy (we flag deals under 15% of ARV)? Numbers must hold up.
Minimum 650 FICO required. This gets you to the table — it is not the primary factor. Strong asset fundamentals carry far more weight than a high credit score.
Submit your pre-loan application and we'll review your deal — fast, no obligation.
Straight Talk
We respect your time. If a deal doesn't qualify, we say so clearly and explain why — so you can move on or restructure. No stringing you along.
Hard stops that end a deal immediately: property in an ineligible state, owner-occupied, commercial use, 6+ units, FICO below 650 with no compensating factors, loan under $50K, or no credible exit strategy.
"Asset over credit. Equity over income. Speed over bureaucracy." — Vytis Capital LLC founding principle
Tell us about the property, the loan product you need, and your exit strategy. We'll get back to you fast.
Vytis Capital LLC · cashvytis.com · Euclid, Ohio