Velocity Mortgage Capital Review
Founded 2004 · Westlake Village, CA · Nationwide
4.0
Editor Rating
Velocity Mortgage Capital specializes in small balance commercial loans for investment properties — DSCR for 1-4 units and commercial for 5+ units. One of the longest-standing investor lenders in the non-QM space.
Editor's Take
Velocity Mortgage fills an important gap for investors transitioning from residential to small commercial. Their ability to do DSCR on 1-4 units AND commercial loans on 5+ units under one roof is rare. If you're scaling from duplexes to small apartment buildings, Velocity can grow with you. Their 20-year track record provides stability that newer lenders can't match.
— Bill Rice, 30+ year mortgage lending veteran
Pros & Cons
Pros
- Residential AND commercial DSCR products
- Long operating history (founded 2004)
- 5+ unit multifamily eligible
- Mixed-use and commercial property types
- Experienced underwriting team
Cons
- Higher minimum credit score for commercial
- Slower closings than residential-only lenders
- Lower max LTV (75%) than some DSCR competitors
- No fix-and-flip products
Loan Products Offered
Eligible Property Types
Best For
Compare Velocity Mortgage Capital
Disclaimer: Rates, terms, and requirements shown are approximate and based on publicly available information as of March 2026. Actual terms may vary based on your credit profile, property details, and market conditions. Always verify current terms directly with the lender before making financing decisions. ProInvestorHub provides editorial reviews for educational purposes and does not guarantee loan approval or specific terms.