Built for one kind of borrower
Viraba Capital is a mortgage brokerage that works with real estate investors and nobody else. We don't do owner-occupied purchases, we don't do reverse mortgages, and we don't try to be a general-purpose shop. We place DSCR debt on residential investment property.
Why specialization matters here
A generalist broker sees a handful of DSCR files a year. They'll get it done, but they're learning the guidelines on your transaction — which lender allows a 6-unit, which one counts short-term rental revenue, which one will use post-rehab value at four months of seasoning instead of twelve.
Those details aren't trivia. They're the difference between a deal that funds and a deal that dies at underwriting, and they change often enough that keeping current is a full-time activity. That's the case for working with someone who does only this.
[TODO — your story goes here.] Two or three paragraphs on your background, how you came to focus on investor financing, and what you were trying to fix about how investors get funded. This is the section prospects actually read before they call. Write it in your own voice.
Four commitments
Real numbers early
You get structures with actual rates, points, and prepay terms attached — not a range designed to get you on the phone. If your scenario doesn't work, we'd rather tell you in the first conversation than at week three.
One file, multiple lenders
We shop the scenario across the panel rather than sending everything to whoever we're most comfortable with. Where the file lands should be determined by fit and pricing, not by habit.
Plain explanation of trade-offs
Every structure decision costs something somewhere. We'll tell you what a longer prepay buys, what interest-only actually gives up, and where the maximum LTV stops being the smart LTV.
We say no
Some deals shouldn't be financed at the terms available. When that's our read, you'll hear it. A broker who never talks a client out of anything isn't giving advice, they're taking orders.
Who you'll work with
[Name]
[Title] · NMLS #[0000000]
[Two or three sentences: background, what they handle, how to reach them.]
[Name]
[Title] · NMLS #[0000000]
[Two or three sentences.]
[Name]
[Title] · NMLS #[0000000]
[Two or three sentences.]
Who we're a good fit for
Scaling buy-and-hold investors
Past the conventional financed-property limit, or heading there, and needing financing that doesn't count doors.
BRRRR operators
Buying with short-term money and refinancing into fixed debt once the rehab is done and the unit is leased.
Self-employed investors
Strong actual cash flow, tax returns that don't show it, and a conventional underwriter who keeps saying no.
Small multifamily owners
5–8 unit buildings that fall between residential and commercial and get declined by brokers who only work 1–4.
Out-of-state buyers
Investing in a market you don't live in, where entity vesting and remote closing need to be routine rather than novel.
Owners with idle equity
Free-and-clear or low-leverage property that could be funding the next acquisition instead of sitting still.
Let's talk about your portfolio
Whether it's one property or the next ten, start with a scenario and we'll go from there.