Investment Properties Only

Exclusively for non-owner-occupied investment properties, this program allows investors to focus on building rental portfolios.

Flexible Loan Terms

Investors can choose between a traditional 30-year fixed-rate mortgage or an innovative 10/30 interest-only product. The 10/0 option provides 10 years of interest-only payments followed by 20 years of principal and interest, helping to maximize cash flow in the early years of the investment.

Diverse Property Types Eligible

• Single-family homes (1-unit attached or detached)
• Multi-family properties (2-4 unit detached)
• Condominiums

LLC Vesting Allowed

Understanding that many investors prefer to hold properties in LLCs for liability protection and tax purposes, the Investor Plus program accommodates LLC vesting.

Expanded Portfolio Potential

This program allows financing for up to 50 properties, perfect for investors looking to scale their real estate holdings significantly.

High Loan Amounts

With loans available up to $1,500,000, investors can target higher-value investment opportunities and diversify their portfolios.

LTV/CLTV Flexibility

The Investor Plus program offers competitive loan-to-value (LTV) and combined loan-to-value (CLTV) ratios, providing investors with the flexibility to optimize their financing strategies.

Cash-Out Refinancing

Available for accessing equity in existing properties, this feature allows investors to leverage the equity they have built to reinvest in additional properties or other opportunities.

Minimum FICO Score Requirement

To qualify for the Investor Plus program, a minimum FICO score of 660 is required, ensuring that the program remains accessible to responsible and experienced investors.

• Those looking to expand their rental property portfolios

• Investors interested in maximizing cash flow with interest-only payment options

Vellum Mortgage is committed to supporting investment goals. Our team of experienced loan officers is ready to guide investors through the process and help them make the most of this exciting opportunity.

Reach out to one of our mortgage experts today to learn more about this program and see how it can benefit you.