Purchase, Refinance, and Cash-Out on 1-4 Unit Rentals
Long-term rental financing on single family, condo, townhome, and 2-4 unit property. Property-based underwriting, no DSCR, no tax returns, and same-day term sheets from a direct private lender.
Program Highlights
Loan amounts $150K to $5M
Up to 75% LTV purchase and cash-out, 90% CLTV with seller second
15 or 30-year fixed, plus 10-year interest-only
No DSCR calculation, no income docs, no minimum FICO
Close in 8 to 13 business days
Available in 45 states (not AZ, MN, ND, SD, VT)
Frequently Asked Questions
Do rental property loans require income documentation?
No. Underwriting is based on the property, not W-2s or tax returns.
What loan-to-value do you offer on rental purchases?
Up to 75% LTV on a stabilized purchase, and up to 90% CLTV when a seller-held second is part of the structure.
How fast can a rental loan close?
Same-day term sheets. Typical closings run 8 to 13 business days from a clear appraisal and title.