Question 1

What is VRB Capital and what does it do?

Accepted Answer

VRB Capital LLC is a private credit firm that acquires and actively manages sub-performing and non-performing mortgage notes secured by residential, multifamily, and hotel/hospitality real estate across the United States. The firm targets $1M–$10M+ unpaid principal balance positions and invests its own capital alongside investors in every transaction.

Question 2

Who runs VRB Capital?

Accepted Answer

Sachin Batra is the Managing Partner and founder. He brings 29+ years of commercial real estate experience and has been involved in $2.5B+ of transactional activity over his career.

Question 3

Is VRB Capital registered with the SEC?

Accepted Answer

VRB Capital is not registered as an investment adviser with the SEC. Securities offered through VRB Capital are offered under Rule 506(b) of Regulation D, an exemption from registration under the Securities Act of 1933. Offerings are available only to accredited investors as defined under SEC Rule 501 of Regulation D.

Question 4

What is a mortgage note?

Accepted Answer

A mortgage note is the legal promise a borrower signs to repay a loan used to buy real estate. Buying a note means buying the debt, not the property — the investor steps into the lender's position and is repaid through the borrower's payments or, if needed, through the property that secures the loan.

Question 5

What basis does VRB Capital target when acquiring a note?

Accepted Answer

VRB Capital targets an acquisition basis of 60% to 85% of the lesser of the unpaid principal balance or the property's as-is value, building a margin of safety into every position before capital is committed.

Question 6

What is the minimum investment to work with VRB Capital?

Accepted Answer

The minimum investment is typically $50,000 per deal. Specific terms vary by opportunity and are provided when a deal is presented to a prospective investor.

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