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Investment property pre-approval

Get pre-approved for your next rental.

Tell us about your purchase, save your borrower profile, and continue to a secure soft credit check. Your score and next steps stay in one place.

Soft pull. No impact to your credit score.

Contact details come first. Verify your email, then authorize the soft pull in your private borrower profile.

Your pre-approval starts hereStep 1 of 8

Are you under contract?

Choose one to get started.

Are you under contract?

No credit check to complete this form.

Start with a soft pullNo credit-score impact
Still shopping? Start here.No property required to begin
Your letter is includedConditional PDF and secure sign-in link by email
DSCR purchase programs

Know your options before you make an offer.

Financing built around your investment property’s rental income. Explore the purchase parameters featured on VirtuaLending, whether you’re buying your first rental or adding to your portfolio.

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Find my purchase options
From browsing to making an offer

Three steps toward your next property.

  1. 1

    Tell us what you’re buying.

    Answer a few quick questions about your purchase, planned down payment, and property ownership. Add your contact details so we can follow up.

    Your plans set the starting point
  2. 2

    Receive your initial letter.

    Finish the form and we’ll email your conditional pre-approval PDF and secure portal sign-in link together.

    Uses your information; credit is not yet checked
  3. 3

    Check your credit and continue.

    Open your secure email link to authorize a soft credit check. View your returned score, then continue your application. Your profile saves your progress.

    Final financing is subject to underwriting
Soft credit inquiry

Explore your options. Protect your score.

A soft pull gives your loan officer a better starting point without lowering your credit score. You stay in control of when you complete your credit request.

  • No credit check just for visiting or getting started
  • Only a credit estimate is needed to get started
  • An assigned loan officer to guide your next steps

A hard inquiry may be needed later to proceed with a loan. Learn about credit inquiries

A little clarity before you start

Good questions.
Straight answers.

Have a different scenario?
Talk with our team

How do I see my score and come back later?

After you save your contact details, we email a secure link to your borrower profile. Use it to confirm your personal information and authorize a soft pull. Your returned score stays in your profile alongside your application steps. Return through Borrower sign-in whenever you’re ready to continue. A middle score requires all three bureau scores; otherwise we label the available qualifying score.

Will this affect my credit score?

A soft credit inquiry does not affect your credit score. Starting here does not run an inquiry. This form asks for your estimated credit range. Your loan officer will guide you through a separate soft-pull request. A hard inquiry may be required later if you proceed with a loan.

Do I get my pre-approval instantly?

When you complete the form, we automatically prepare and email your initial conditional pre-approval PDF together with your secure portal sign-in link, using your purchase price or budget and planned down payment. This initial letter uses the information you provided; credit, assets, and the property have not been verified. Your loan officer will follow up for review and a separate credit request. Final financing remains subject to underwriting approval.

Do I need a property under contract?

No. You can begin with your purchase budget and where you plan to buy. If you already have a contract, provide the property details so your loan officer can review that purchase.

What should I have ready?

Have your purchase price or budget, planned down payment, estimated credit range, and contact information ready. If you’re under contract, include the property address. A purchase price or estimated budget and planned down payment are required to prepare your letter. No LLC name is needed for this initial letter. Your loan officer may request entity documents, identity details, residence history, bank statements, and photo ID during review.

Is this for a home I plan to live in?

This page is for DSCR financing on investment properties. If you’re buying a primary residence or second home, call us so we can help you find the right application path.

Does a pre-approval guarantee financing?

No. A pre-approval is conditional and subject to satisfactory review of credit, assets, the property, and final underwriting. Your issued letter includes the proposed terms, conditions, and expiration date.

Have your next move in mind?

Let’s start with your pre-approval.

Start my pre-approval