Mortgage Vintage fix-and-flip loans fund $50,000 to $3,500,000+ at up to 70% of purchase price for California rehabbers with a proven track record. 2+ points plus $2,995 underwriting fee, 7-10 day close, same-day term sheets. Fix-and-Rent program also available for buy-renovate-hold strategies.
| Fix & Flip Feature | Structure & Terms |
|---|
| Loan Amount | $50,000 to $3,500,000+ |
| Max LTV | Up to 70% of purchase price | Lends against ARV with substantial construction component (funds control required) |
| Points & Fees | 2+ origination points plus $2,995 underwriting and valuation fee |
| Guaranteed Interest | Minimum 3 monthly payments guaranteed regardless of early payoff |
| Property Types | Residential 1-4 units. Fix-and-Rent program also available for investors who plan to rehab and hold rather than sell. |
| Speed to Close | 7-10 business days. Same-day term sheets. |
| Target Borrower | Active rehabbers with a proven track record. Properties must sell or refinance within 12 months. |
Mortgage Vintage construction loans fund ground-up and finish builds on SFR, multifamily, and commercial California properties in 1st or 2nd Trust Deed position. 1 to 4-year terms, 7-14 day close, same-day term sheets. ADU construction specialty program also available.
| Construction Feature | Structure & Terms |
|---|
| Project Types | Ground-up new construction and finish construction on SFR, multifamily, and commercial properties throughout California. ADU (Accessory Dwelling Unit) construction program available on owner and non-owner-occupied properties. |
| Lien Position | 1st or 2nd Trust Deed positions available |
| Loan Term | 1 to 4 years for construction loan programs |
| Speed to Close | Same-day term sheets. Closings typically in 7-14 business days. |
| ADU Specialty | Deep expertise in Orange County and Los Angeles ADU regulations, lot size requirements, and local ordinances. Construction funds provided in 1st or 2nd lien; borrower refinances to permanent conventional at ADU completion. |
| Geographic Focus | Orange County, Los Angeles, Riverside, and statewide California |
Mortgage Vintage DSCR rental loans start at 6.625% with no income verification on residential 1-8 unit, multifamily, condotel, and mixed-use properties throughout California. Same-day term sheets. Fund in 21 business days.
| Rental DSCR Feature | Structure & Terms |
|---|
| Starting Rate | From 6.625% (principal and interest payments) |
| Property Types | Residential 1-8 units, multifamily, condotels, and mixed-use throughout California |
| Qualification | No income verification required. Asset-based and cash-flow-based qualification only. |
| Process | Same-day term sheets. Fund in 21 business days. Transparent terms from start to finish. |
| Fix-and-Rent Program | Separate Fix-and-Rent program available for investors buying, renovating, and holding as a rental. Finances both rehab costs and purchase in a single loan, then transitions into long-term hold financing. |
| BRRRR Strategy | Use Mortgage Vintage's fix-and-rent or bridge program for the acquisition and rehab, then refinance into the DSCR product at stabilization. Full BRRRR cycle under one Orange County/California lender relationship. |
Mortgage Vintage bridge loans cover residential and commercial acquisitions, refinances, cash-out, and transitional holds throughout California. Same-day term sheets. Multifamily, commercial, mixed-use, and foreign national programs also available.
| Bridge Loan Feature | Structure & Terms |
|---|
| Use Cases | Residential and commercial acquisitions, business-purpose cash-out refinances, transitional holds, fix-and-rent BRRRR strategy, bridge-to-conventional exit, and multifamily repositioning throughout California |
| Loan Amount | $50,000 to $3,500,000+ |
| Lien Position | 1st and 2nd Trust Deed positions available. 2nd Trust Deed on business purpose loans is a specialty product. |
| Speed | Same-day term sheets. Fund in 7-10 business days. In-house underwriting and trust deed funding via the CrowdTrustDeed platform. |
| Special Programs | Cannabis business purpose loans ($100K-$2.5M+). Foreign national loan program. Multifamily bridge. ADU construction. Business cash-out. Land loans (tiered LTV by entitlement milestone). |
| Geographic Focus | Orange County, Los Angeles, Riverside - and all of California on select programs |
