Built on Value, Vision, and Virtue

A: A DSCR (Debt Service Coverage Ratio) loan is designed for investment properties. It assesses the property's ability to generate enough income to cover loan payments. To qualify, lenders examine the property's net operating income (NOI) compared to its debt obligations. At V Nation, we help you determine if a DSCR loan suits your investment needs and assist you through the qualification process.

A: Yes, V Nation offers specialized loan products specifically designed for self-employed borrowers. Understanding that self-employed individuals often face unique challenges when applying for traditional mortgages, V Nation provides flexible lending solutions that cater to the diverse income documentation and financial circumstances of self-employed clients. Leveraging our expertise as a direct private lender, we streamline the loan process to make it as straightforward as possible, ensuring that our self-employed clients can secure the financing they need with confidence. Whether you require a bridge loan or a hard money loan, V Nation is committed to supporting your financial goals with tailored solutions.

A: V Nation's bank statement loan program is designed for self-employed individuals and business owners who may struggle with traditional income verification. This program allows you to qualify for a mortgage based on your bank statement income. If you use a personal account, we typically consider 100% of the deposits as income. For business accounts, a percentage (usually 50% to 70%) of the deposits is considered to account for business expenses. This approach helps us understand your financial health and provide a suitable mortgage solution.

A: A Non-QM (Non-Qualified Mortgage) loan is a mortgage that doesn't meet the standard criteria set by traditional banks, often due to strict income and employment verification requirements. At V Nation, our Non-QM loans provide financing solutions for borrowers who may not qualify for conventional loans due to unique income situations, credit histories, or other financial circumstances. To qualify, borrowers typically need to demonstrate their ability to repay the loan through alternative documentation methods, such as bank statements, asset utilization, or verified income from non-traditional sources. This flexibility makes Non-QM loans suitable for self-employed individuals, real estate investors, those with complex financial structures, or those who have experienced credit events like bankruptcies or foreclosures. V Nation aims to offer a more inclusive range of mortgage solutions, helping more clients achieve their financial and property ownership goals.