Rental Home Financing specializes in landlord financing by providing permanent financing for investors with at least 5 properties in most areas of the country. Our innovative programs are geared toward the entrepreneur investor who wants to grow a rental portfolio with competitive, non-bank products.
As private equity lenders that specialize in rental property, we don't rely on your personal tax returns. We understand that most landlords write off expenses and may show a small or even a loss on business returns. All of our decisions are based on the LTV, credit, loan size, net worth, and cash flow of the collateral.
Our Rental Property Loan Programs
We offer several underwriting pathways that can be tailored to your specific loan requirements. Whether you need a blanket loan covering multiple properties or financing for a single rental, we have a competitive program to help you expand your rental business.
30/30 Year Fixed Rate
Blanket Loan
- 30-Year Fixed Rate / Amortization
- Blanket Feature (multiple properties)
- Non-US Citizenship OK
- Up to 75% of As-Is Value
- Unlimited Cash Out
- $300,000+ Loan Size
- Competitive Rates
- 640 Minimum Credit
5/30 – 10/30 Fixed Rate
Blanket Loan
- Loan Sizes $75,000+
- Non-US Citizenship OK
- 75% LTV/LTC Maximum
- Unlimited Cash Out
- 5 – 10 Year Fixed Rates
- 30-Year Amortization
- Competitive Rates
- 640 Minimum FICO
30/30 Year Fixed Rate
Single Property
- 30-Year Fixed Rate / Amortization
- Sell Property at Any Time
- Non-US Citizenship OK
- 75% of As-Is Value
- Unlimited Cash Out
- $75,000+ Loan Size
- Competitive Rates
- 650 Minimum Credit
How We Evaluate Your Loan
We review the cash flow of the properties and ensure they cover the annual debt service ratios of greater than 1.2 — a commercial term for cash flow. This DSCR-based approach means your personal income situation does not determine your eligibility.
There are several underwriting pathways that can be used based upon your specific loan requirements, offering competitive non-bank products that enable you to expand your rental business.
No Tax Returns Required
We understand that landlords write off expenses and may show losses on returns. Our decisions are based entirely on property cash flow, LTV, credit, and net worth.
Blanket or Single Property
Finance multiple properties under one loan with our blanket programs, or get individual loans starting at $75,000 for single investment properties.
Foreign Nationals Welcome
Non-US citizens can qualify for all of our rental property loan programs. No Social Security number or US tax history required.
Getting Started Is Easy
Whether you are looking to consolidate an existing portfolio under a single blanket loan or finance your next acquisition, our streamlined process gets you from application to closing quickly.
Contact Us
Call 888-375-7977 or apply online to speak with one of our qualified representatives. We will discuss your investment goals and recommend the right program for your portfolio.
Cash Flow Review
We evaluate your property portfolio's rental income and debt service coverage ratio (DSCR). No personal tax returns or W-2s needed — we focus on what the properties earn.
Select Your Program
Choose from our 30/30 blanket loan, 5/30 or 10/30 fixed-rate blanket, or single-property financing. We tailor the underwriting pathway to your specific requirements.
Close & Fund
Once approved, we move to closing quickly with competitive rates. Get one simple payment for your entire portfolio, or individual financing for single properties — whatever fits your strategy.
Private Equity Lending for Rental Investors
Our programs are specifically designed for the entrepreneur landlord. We don't penalize you for running a smart tax strategy. With competitive non-bank rates, unlimited cash-out options, and no limitation on the number of properties in your portfolio, we make it possible to scale your rental business on your terms.
Ready to Expand Your Rental Portfolio?
Call us today at 888-375-7977 and speak with one of our qualified representatives, or apply online now to start the process. We are ready to help you grow your rental business with financing that works for investors.