lockFree to check. No credit pull.

Know where your deal stands before you make the call.

Most investor lenders ask you to pick a loan product before they will talk to you. The trouble is that the property, not the plan, decides which product you can actually have. Answer about nine questions and see which one fits, and what a lender will ask you for.

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lockEncrypted. No SSN. No bank login. No credit pull to see where your deal stands.
660the credit score most of these programs start at, or 600 once you have a track record
92.5%the most any of them lends against purchase plus rehab. The rest is your cash
36 monthshow recently a project must have closed to count as experience

Partner program guidelines, read at source, September 2026. These are their published starting points and maximums, not offers from Vesty.

A cut-paper diorama of a renovated house at dusk with every window lit and a new path to the door.

Built for investors who are tired of guessing which lender to call

There is no shortage of lenders in this market. What is missing is anyone who will tell you, before you apply, whether your deal is the shape they fund.

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The property decides, not the plan

A property that still needs real work cannot take a long-term rental loan, however good the finished numbers look. Bare land cannot take a rehab loan. We ask about the condition first, because that is what actually sets the product.

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Experience is counted per product

Lenders count flips, rentals and completed builds as three separate track records. Six flips can open a construction loan that four builds cannot. We ask about the one that matters for your deal.

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Nothing is pulled to look

No Social Security number, no bank login and no credit pull to see where your deal stands. Credit is checked later, by the lender, once there is something worth checking it for.

Already know what you are working on?

Start on the right track. If it turns out to be something else, the questions will catch it and move you.

A tired empty house with a boarded window and an overgrown yard at dusk.

Fix and flip

Buy it, renovate it, then sell or refinance. Short-term money with the rehab released in draws.

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A dark two-storey rental house at dusk with a mailbox and a path to the door.

Rental property

Buy or refinance and hold. Underwritten mainly on the property rather than on your tax returns.

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An empty building lot at dusk marked out with survey stakes.

Ground-up construction

Build new on land. The one product where completed build experience can decide eligibility outright.

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A half-built house at dusk, framed and roofed but unfinished, work stopped.

Bridge and rescue

Short-term money on a property you already own, a loan coming due, or a build that started and stopped.

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How it works

The picture builds as you answer. So does the answer.

1

Tell us what you are working on

Flip, rental, build, or short-term money on something you own. If you are not sure yet, that is a normal answer and the questions will work it out.

Work begins on the tired house, with a skip on the ground beside the path.
2

Describe the property honestly

Condition, occupancy and property type. These three answers re-route more deals than anything else, and almost nobody else asks them.

A ladder against the house and fresh shingles going onto the porch roof.
3

Give us the numbers and your track record

Price, budget, completed deals and a credit range. Estimates are fine. Nothing here is verified and nothing is pulled.

The house repainted, with a new front door and a repaired path.
4

See where the deal stands

Which programs fit, which do not, and what a lender will ask you for. One specialist reviews it and comes back to you.

The finished house at dusk with every window lit and a young tree in the lawn.

Three answers decide what you can actually get

Most investors go looking for a loan before they know which one their deal supports. These three settle it. They are the first things we ask, so your time goes into the funding you are most likely to be approved for.

Who will live in it Investor financing is written on property the owner does not occupy. If you or a family member will live there, it is a consumer mortgage instead, and a different kind of lender handles it. Settling this first means you are never pointed at lenders who structurally cannot fund your deal.
What condition it is in A rent-ready property can take long-term rental financing. One that still needs real work usually cannot, however good the finished numbers look, so it needs short-term money now and a refinance once the work is done. The condition, not the plan, sets the product you can have.
What is already on the land A bare lot is a construction deal, with draws, permits and a builder the lender will want to see. A lot with something already standing on it is a rehab deal, underwritten and priced differently. Which one you have changes the leverage available to you.

Answer these three and the rest of the check is matching your deal to the programs that fit it. Vesty is not a lender: we work out which product your deal supports and hand the scenario to a lender who writes that product.

Frequently asked questions

No. Vesty is not a lender, a bank or a mortgage broker of record, and we do not make credit decisions. We work out which funding product your deal needs and hand the scenario to a partner lender who writes that product. Rates, leverage and terms are set by those lenders.
No. Nothing here pulls your credit. We ask for a credit range because it changes which lenders are open to you, and your best guess is enough. A lender runs credit later, with your authorisation, once there is a real scenario to price.
No, and we would rather say so now than after you have filled in a form. These programs are business-purpose credit written on property the owner does not occupy. If you or a family member will live in it, that is a consumer mortgage and a different kind of lender handles it.
That is fine, and it is a valid answer on the second question. Plenty of people run the check while they are still looking, so they know what they can realistically go after before they make an offer.
Yes. Experience changes your pricing and, on ground-up construction, it can decide eligibility outright. That is exactly why it is worth knowing where you sit before you call anyone, rather than finding out inside an application.
Your details go to one specialist who reviews the deal and comes back to you. Your number is not sold to a call list. You can see exactly what we collect, because the questions are the whole product and there is nothing hidden behind them.

Find out before you call, not during the call.

About nine questions, under two minutes, and no credit pull. You will know which programs fit your deal and what a lender is going to ask you for.

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A newly built house at dusk with every window lit, a laid lawn and a paved path.