Fix and Rent Loan Program:

Fix and Rent loans are designed for investors who are looking to purchase a property, renovate it, and keep it as a buy and hold investment. This loan program allows investors to finance the rehab costs in addition to the money needed to complete the purchase. Our fix and rent hard money loan programs provide real estate Investors with capital to purchase or refinance for rehab and rental of a single family, multi-family or commercial property.

Lending Criteria & Guidelines:

  • Loan Amounts: $100,000 – $2,500,000+
  • Property Type: Residential – Commercial – Multi-Family – Mixed Use
  • Loan Type: Purchase or Refinance
  • Loan-to-Value: Up to 65% on Refinance; Up to 70% of Purchase Price
  • Terms: 1 to 4 years with Balloon – Interest Only Payments (amortization available)
  • Occupancy: Non-Owner Occupied
  • Underwriting: Equity Driven, Bank Statements, No Tax Returns (other docs apply)
  • Property Valuation: BPO (Broker Price Opinion) required; Appraisal on Commercial
  • Interest Rates: 1sts from 9.99%, 2nds from 12.50%
  • Points & Fees: 2+ Points plus Underwriting & Valuation of $2,995+
  • Timeline to Fund: Typically, 7 business days
  • Broker Protection: Broker Friendly – We pay Commissions!
  • Guaranteed Interest: 3-6 months
  • “Yes, We Can!”: Low FICO – BK – NOD – Foreign National – Self Employed


Why Mortgage Vintage, Inc.?

Mortgage Vintage, Inc. is a direct hard money lender that originates and funds business purpose loans for real estate investors and business owners.  All Mortgage Vintage loans must be secured by California real estate. We provide:

  • Same Day Term Sheets – Professional Service
  • Easy Loan Submission, Quick Turnaround, 7 Day Fundings
  • Fast, Flexible and Transparent Loan Process
  • Over 30 years Financial Industry Experience
  • Funding Based on Committed Terms
  • Surety of funding through CrowdTrustDeed’s simple and secure online marketplace
  • Se Habla Español


Sandy MacDougall – (949) 632-6145 – [email protected]