Agentic AI, not a portal
Most fintech lenders built a faster form. We built an AI that reads the property for you — rent comps, ARV, DSCR — before you even answer a question. The form doesn't exist.
Now funding in 38 states
Most lenders qualify you. We qualify the property.
Vested Nest is an agentic DSCR financing platform built for serious operators. We use AI to eliminate the paperwork, compress the timeline, and put your rate on screen in 60 seconds — so you can move as fast as the market does. Vested Nest LLC, a subsidiary of The Agent Factory, Inc.
End-to-end
AI assisted
14 days
Median close
60s
To a term sheet
0
W2s required
Our mission
We built the broker we always wished existed.
The team behind Vested Nest has spent years watching real estate operators — smart, analytical people with strong deals — get turned down by conventional lenders because their W2 didn't look right on paper.
The property was cash-flowing. The DSCR was solid. The deal was good. But the form said no.
We built Vested Nest to fix that. A financing platform that reads the property, not the borrower — and uses AI to do it in 60 seconds instead of 30 days.
The property does the qualifying. Your W2 is irrelevant.
Vested Nest founding principle
What makes us different
Not just faster. Fundamentally different.
14 days, not 45
Our median close is 14 calendar days. That's 31 fewer days of bridge interest, 31 fewer days of carry risk, and 31 fewer days before the rental income starts. Speed is money.
Live rate. No email gate.
Consumer lenders are bound by TRID — every rate quote is a 3-day wait. DSCR is exempt. We put the real rate, points, and payment on screen in 60 seconds. No account. No callback. No catch.
Built for the whole portfolio
No Fannie Mae 10-loan ceiling. No personal income check. Whether you're on deal one or deal twenty, the underwrite is the same — the property qualifies, not you.
Foreign nationals welcome
No SSN. No U.S. credit history. No in-person visit. International investors with a U.S. LLC can own U.S. rentals and close entirely remotely via wire and e-sign.
Bridge → DSCR, same team
We close your bridge and handle the DSCR exit — no handoff to a different lender, no starting over. The same underwriter who knew your deal on day one closes it on day 14.
As seen in
Coverage & recognition.
Get in touch
We pick up the phone.
We're not a chatbot company with a loan product bolted on. Real people, real deals, real answers.
Ready to work with us?
Drop an address and see what we can do in 60 seconds. No account. No hard pull. Just the math.
No W2No DTINo hard pull14-day close
No W2