Capital that moves at the speed of your next deal.
Viva Capital Group funds DSCR rental loans and fix-and-flip financing for real estate investors nationwide. No tax returns. No W-2s. Just fast, asset-based decisions built for investors.
Qualify on the property, not your income.
For buy-and-hold investors & rental portfoliosOur DSCR loans qualify off the property’s cash flow — if the rent covers the debt, you qualify. No personal income docs, no tax returns, no employment verification. Close in an LLC, scale your portfolio, and keep your momentum.
Built for the way investors actually buy
- ✓ No tax returns or income verification
- ✓ Close in your LLC or entity name
- ✓ Unlimited number of financed properties
- ✓ Short-term rentals & Airbnb considered
- ✓ Purchase, rate-and-term, or cash-out refi
Fund the purchase and the rehab.
For flippers, BRRRR investors & renovatorsShort-term capital that covers acquisition and 100% of your renovation budget, drawn as you complete the work. Move fast on the courthouse steps, off-market deals, and auction buys with financing that closes when it counts.
Speed is the whole product
- ✓ Fast, interest-only draws on the rehab
- ✓ Experienced & first-time flippers welcome
- ✓ Single-family, 2–4 unit, and small multi
- ✓ Seamless exit to a DSCR refi (BRRRR)
- ✓ Closings in as little as 10 business days
A lender that thinks like an investor.
We do two things, and we do them better than the generalists — because we structure every deal the way we’d want our own capital deployed.
Two products, total focus
We’re not a do-everything shop. DSCR and fix-and-flip are all we do, so we underwrite faster and structure smarter.
Certainty of close
Direct decisioning and clear terms up front. When we say we’ll close, we close — so your earnest money is never at risk.
Investor-first underwriting
Asset-based, common-sense reviews. We look at the deal and the exit, not your last two pay stubs.
From term sheet to keys in three steps.
Submit your scenario
Send the address, purchase price, and rehab or rent figures. Get a term sheet, often the same day.
Underwrite & appraise
We order valuation and verify the deal. Light documentation, no income hassle, clear conditions.
Close & fund
Sign with the title company and fund — in your LLC, with rehab draws ready to go.
Send us the deal. Keep your client. Get paid.
Viva is a broker-friendly lender. We never cross-sell your borrower, we protect your commission, and we keep you in the loop at every milestone. Build a recurring referral relationship on DSCR and fix-and-flip deals other lenders turn away.
Become a Partner- ✓ Competitive, protected broker compensation
- ✓ Your client stays your client — guaranteed
- ✓ Dedicated account rep & fast scenario desk
- ✓ White-glove communication through closing
- ✓ Co-branded marketing support available
Let’s fund your next deal.
Get a no-obligation term sheet on your DSCR or fix-and-flip scenario. We speak fluent English and Spanish.