Proof, not promises — two real files
APPROVED — funding scheduled: credit score 525, a $490,000 tax lien, zero reserves. Approved for a $1,496,000 blanket loan across two Long Beach properties at 65.07% combined LTV — the tax lien clears through escrow at closing, with $200,000 of construction money held back for the renovation. Read the full breakdown →
CLOSED & FUNDED: self-employed investor, credit score 620. A $150,000 cash-out second lien on a Santa Ana rental at 69.5% combined LTV — about $141,670 in cash out, and the existing first mortgage never moved. Read the case study →
Different files, same pattern: the banks underwrote the borrower's past. These loans were underwritten on the property's equity — value minus what's owed.
Who this fits
- Business owners and owner-operators — trucking, hauling, construction, trades, restaurants — whose income doesn't fit a bank's boxes
- One property, deep equity: you've owned it for years and owe far less than it's worth
- Multiple properties: equity spread across several can be combined under one blanket loan
- Credit bruised, thin, or rebuilding — including files with tax liens or heavy debts that can be paid off through closing
- A first mortgage worth keeping — a second lien or blanket structure leaves it untouched
How it works
- Step 1 — The equity math. Tell us what your properties are worth and what's owed. Combined loan-to-value is the number that decides the file.
- Step 2 — The structure. One property or several, first position or behind your existing mortgage — the loan is built around the collateral.
- Step 3 — Closing clears the decks. Liens and debts in the way can be paid through escrow at closing, so you start clean.
Straight talk: these are business-purpose and investment-property loans. Every property is underwritten on its own numbers, approval is never guaranteed, and the examples above are two real files — one closed, one approved with funding scheduled — not promises about yours. Vision One Mortgage, Inc. · NMLS #7861 · Equal Housing Opportunity.
