Get direct access to uncapped private money

A private money loan (also known as a bridge loan) is a short-term loan designed to help investors fund their real estate transactions as quickly as a cash offer might and gives investors more time to qualify for permanent financing.

Are you a real estate investor seeking to meet contractual obligations, tap into your equity, or refinance quickly? With private money lending, you can benefit from a sophisticated financing option tailored to your specific needs. 

Whether you are looking for short-term loans with competitive interest rates and flexible loan terms or exploring real estate loans for commercial properties, vacant land, or single-family residential properties, private money lenders offer solutions to help you achieve your investment goals.

Our bridge program includes the following key features:

• Up to 65% financing to leverage your investment
• No max loan amount, ensuring flexibility for luxury and large-scale projects
• 12-36 month terms, allowing you ample time to execute your real estate strategies
• Interest-only monthly payments, keeping your operating expenses low 
• Fixed and variable rates are available, catering to your financial preferences
• Title must be held by LLC/Corp, a single purpose entity
• No income verification, streamlining the application process
• No minimum credit score, providing opportunities for borrowers with diverse credit histories and foreign nationals with no U.S. credit history
• No DSCR ratio, offering more flexibility for borrowers
• Available for foreign nationals, catering to the needs of international investors
• For investment properties only, including non-owner occupied residential, commercial and land
• Only available for properties in Florida and New York, our team has decades of experience in South Florida and New York City real estate financing, sales, and development

Our private loan solutions are primarily short-term interest-only loans designed to meet the diverse needs of real estate investors.

Loan programs available include:

• Residential bridge loans
• Commercial bridge loans
• Super jumbo loans
• Blanket loans
• Rental property loans
• Portfolio loans
• Cash-out refinance loans
• Foreign national loans
• Multifamily loans (1-4 units)
• Multifamily loans (5+ units)
• Developer loans (Inventory loans)
• Land loans
• NO-DSCR Loans

A private loan is primarily used by real estate investors as a short-term solution until a long-term solution is put in place. 

As a real estate investor, a private loan can be used in cases when you:

• Require super jumbo financing (over $2M)
• Want to acquire a new property while you wait for your existing property to sell
• Want to tap into the equity of your existing investment property to make improvements or buy another property
• Have contractual obligations that requires a fast closing or are at risk of losing deposits 
• Are purchasing land and pending approval for a construction loan 
• Are buying a new construction condo or condotel that is not Fannie-Mae approved (Non-warrantable condo)
• Are a foreign national with unverifiable income and/or no U.S. credit history 
• Property does not meet debt service coverage ratio to qualify for DSCR loan

Our underwriting process will focus more on the quality of the asset than the applicant's income and credit score. This allows us to provide a streamlined application process and quick decision making once property details are provided.

To determine your eligibility for private financing with Vaster, please contact us for a quick quote. 

Vaster stands at the forefront of the private money lending industry, offering unmatched financing solutions to borrowers across South Florida and New York. With our roots deeply embedded in these regions' premier assets, we specialize in crafting sophisticated financing options tailored for global citizens and investors with intricate ownership structures.

Our primary office is strategically located in Brickell, Miami's bustling financial district. This location not only enhances our connection with the pulse of South Florida's real estate market but also ensures seamless service delivery for both U.S. and foreign national clients. As the city serves as a gateway for international transactions, our borrowers benefit from our expansive reach, especially when it comes to real estate investment opportunities.

What sets Vaster apart? For starters, our process. We pride ourselves on offering a hassle-free mortgage experience, ensuring total transparency from the loan application to the funding stages. We aim to simplify the borrowers' journey. Share your investment goals and budget with our dedicated team of loan experts, and in return, we'll present the best real estate loans tailored to your needs. With an emphasis on 1:1 customer care, our team caters to your individual communication preferences, ensuring that every step feels personalized.

Our private loans, particularly our commercial bridge loans, are meticulously designed for both global citizens and local real estate investors. These loans offer the flexibility to leverage debt without compromising the speed and execution of your investment strategy. Whether it's multifamily or single-family properties, commercial real estate, or residential property endeavors, our loan programs cater to a broad spectrum of property types.

Furthermore, unlike traditional lenders, who may be constrained by rigid approval processes or a borrower's credit history, Vaster private money lending focuses more on the asset's value, ensuring faster loan approvals even for those with complex financial profiles.

Vaster is not just another hard money lender. We are your trusted partner, offering a sophisticated blend of private loans backed by extensive experience and a profound understanding of South Florida and New York's premier assets. Choose Vaster for a streamlined, transparent, and personalized mortgage experience.