Let's get to work

Tell us about the deal

Six quick questions about the property, then how to reach you. About sixty seconds — no credit pull, no cost, and a real answer back.

Step 1 of 2 — the deal

What are we financing?

Estimates are completely fine. We'll sharpen the numbers together.

What do you want to do?

Buy a property Refinance Pull out equity Not sure yet

Property type State

Purchase price or value Loan amount you want

Expected monthly rent Optional — but it's the number the approval turns on. Credit score range A rough idea is plenty — we work with scores from 600 up.

When are you looking to close?

Under contract Within 30 days 60–90 days Still exploring

Step 2 of 2 — where to reach you

Almost done

So we can get you an answer. We won't add you to a mailing list.

Full name

Phone Email

Anything else that would help?

Please don't include Social Security numbers, dates of birth, or account numbers here. When we need those, we'll send you a secure link.

By submitting, you agree we may contact you about your inquiry by phone, email, or text. This is an inquiry about business-purpose financing on investment property — not a loan application and not a commitment to lend. See our Privacy Policy.

What happens next

We look at your scenario the same day where we can.
We come back with the options that fit and what we'll need to move.
You decide whether to go forward. No pressure either way.

Rather just email us?

Send the details straight to Loans@virabacapital.com and we'll pick it up from there.

Nothing to lose

No credit pull, no fee, no obligation. Credit is only pulled later, with your say-so, once you've decided to move ahead.

Want to run the numbers first?

The DSCR calculator works entirely in your browser — nothing is sent to us.

Open the calculator