Rental property purchases
Investment acquisitions with a documented business purpose.
For California real estate professionals
Earn up to 25%
on eligible investor referrals.
Connect your investor clients with business-purpose financing. Earn up to 25% of the eligible broker compensation VirtuaLending receives on an approved, funded referral.
Explore the partnershipWritten terms. Approved participation. Payment after funding and receipt of compensation.
California investment properties
Verified business purpose
Approved payment arrangement
Keep the relationship.
Bring us the financing.
Your client may be buying a rental, refinancing an investment, or accessing equity for a business purpose. Start with an introduction; our lending team handles the financing review.
Investment property refinancing
Eligible rental-property refinance scenarios, reviewed loan by loan.
Business-purpose cash-out
Use of proceeds matters. Personal expenses and consumer debt are excluded.
Loan eligibility and referral eligibility are separate reviews. No primary residences, second homes, or consumer-purpose loans under this program.
A clear path from introduction to payment.
- 1
Share your contact information
Start with your name, email, and phone number. Your California DRE number is optional; we’ll follow up about eligibility and next steps.
- 2
Complete your agreement and W-9
Confirm the written rate and authorized payee. The payee’s authorized signer completes the W-9 securely.
- 3
Refer an eligible investor
Introduce your client with permission. Payment follows an eligible funded loan, receipt of compensation, and the signed terms.
Let’s work together
Start with you.
We’ll take it from there.
Share your name, email, and phone number so we can connect. Your California DRE number is optional.
- No enrollment fee
- No minimum referral commitment
- Your client keeps their choice of lender
Your W-9 comes next.
After payee review, complete the W-9 through a secure signing or document process. Please keep Social Security numbers, EINs, and tax documents out of this application.
The rules behind the program
Business purpose matters.
So do California’s rules.
Federal Regulation X exempts qualifying business-purpose credit from RESPA. That exemption is based on the actual transaction. It does not automatically make every referral fee permissible.
We review the loan purpose, eligibility, required authorizations and disclosures, and lender restrictions. Your written agreement confirms the approved payee and rate.
Read the Referral Program TermsA few things to know.
Is 25% guaranteed?
No. It is the maximum program rate. The signed compensation schedule confirms the exact percentage and which broker compensation is included, before a referral is accepted.
What do I need to apply?
Just your name, email, and phone number. Your California DRE number is optional. We’ll follow up to review eligibility, the agreement, and the approved payment arrangement before participation begins.
Does every DSCR loan qualify?
No. The actual business purpose, use of proceeds, occupancy, applicable law, lender restrictions, and referral arrangement must be reviewed. A product label or LLC alone is not enough.
When will I receive payment?
After the eligible loan funds, VirtuaLending receives the agreed compensation, and the required agreement, disclosures, and tax documents are complete. Your signed schedule sets the payment deadline.
Can I sign the W-9 online?
An approved payee can use a secure electronic signing request when available. If online signing is unavailable, we coordinate an approved secure manual process. A registration checkbox does not sign a W-9.