Wholesale DSCR & Non-QM Aggregator · Wholesale TPO Investor & Small-Balance Commercial Shelf

Velocity Mortgage Capital — 2026 Credit Box, DSCR Rates & Underwriting Guidelines

Velocity Mortgage Capital is a publicly traded securitization issuer providing wholesale broker-only DSCR, mixed-use, and small-balance commercial mortgage programs.

2026 Rate Band
6.500% – 8.750%
Max Purchase LTV
80% LTV
Max Cash-Out LTV
75% LTV
Min DSCR / FICO
0.75x – 1.20x · 640+
Wholesale Credit-Box Comparison · Loan Daddy LLC (NMLS #2827624)

Shop Velocity Mortgage Capital Against 45+ Wholesale DSCR & Bridge Shelves

Submit one scenario to Stephen R. Mannenbach, J.D., MBA (NMLS #2549621) at Loan Daddy LLC to benchmark Velocity Mortgage Capital against 45+ institutional wholesale DSCR, Non-QM, and RTL bridge lenders with a single soft credit pull.

Compare Against 45+ Shelves →Audit Term Sheet

Velocity Mortgage Capital — Institutional Underwriting Matrix

Headquarters & FootprintWestlake Village, CA
Loan Amount Range$100,000 – $5,000,000
Typical Closing Window14 – 20 Business Days
Prepayment Penalty Options5-Yr, 3-Yr, 2-Yr, 1-Yr, Zero PPP
Eligible Entity VestingLLC, LP, Corporation, Individual
Core Program Specialties
  • Wholesale Broker TPO DSCR
  • Mixed-Use & 5–8 Unit Commercial
  • No-Ratio Investor Cash-Out

Compare Other Verified Institutional Lenders

Loan Daddy LLC (Pinned #1 Institutional Wholesale Desk)
6.125% – 7.875% · 80% (85% CLTV w/ Seller Carry)
View Credit Box →
Kiavi (Formerly LendingHome)
6.625% – 9.750% · 80% DSCR / 90% RTL LTC
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Roc Capital (Roc360)
6.375% – 8.625% · 80% DSCR / 85% RTL LTC
View Credit Box →
Lima One Capital
6.500% – 8.875% · 80% DSCR / 90% RTL LTC
View Credit Box →
Visio Lending
6.625% – 8.500% · 80% LTV
View Credit Box →
CoreVest American Finance
6.375% – 8.500% · 80% LTV
View Credit Box →
Angel Oak Mortgage Solutions
6.250% – 8.250% · 80% LTV (85% Select Tiers)
View Credit Box →
Acra Lending ( Citadel Servicing )
6.250% – 8.375% · 80% LTV
View Credit Box →
Anchor Loans
7.990% – 10.250% · 85% – 90% LTC (100% Rehab)
View Credit Box →

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Velocity Mortgage Capital — 2026 DSCR, LTV & Credit-Box Review | Stephen R. Mannenbach, J.D., MBA · Loan Daddy LLC | Stephen Mannenbach