We offer three distinct fixed rate loan programs built for rental property investors. Whether you're financing a single rental home, consolidating a portfolio under one blanket mortgage, or locking in a full 30 year term with no balloon, we have a program that fits your strategy.
All three programs qualify based on the property's cash flow — not your personal income or tax returns. Pick the term that matches your hold period and investment goals, then let our team handle the rest.
Our Fixed Rate Programs at a Glance
Each program is designed for a different stage of your investment journey. One property at a time, a growing portfolio, or a large-scale operation — we have the right term structure for you.
5 & 10 Year Fixed
BLANKET LOANS • 3+ PROPERTIES
- 5 or 10 Year Fixed Rate
- 30 Year Amortization (Balloon)
- $300K – $50M Loan Size
- Up to 75% LTV
- Interest Only Available at 70% LTV
- Non-Recourse Options
30/30 Single Property
NO BALLOON • 1 PROPERTY AT A TIME
- 30 Year Fixed Rate
- 30 Year Amort – No Balloon
- $75K – $5M+ Loan Size
- Up to 75% LTV
- No Tax Returns or W-2s
- Fund Directly Into Your LLC
30 Year Program
SINGLE & BLANKET • FULL TERM
- 5–10–30 Year Fixed Rates
- 30 Year Amortization
- $300K – $30M+ Loan Size
- 70–75% LTV Max
- 640 Minimum FICO
- Use Your Existing LLC
How Do These Programs Compare?
Choosing the right term structure depends on how many properties you're financing, your hold period, and whether you prefer the lowest possible rate or the certainty of no balloon payment. Here's a side-by-side breakdown.
| Feature | 5 & 10 Year Fixed | 30/30 Single Property | 30 Year Program |
|---|---|---|---|
| Fixed Rate Term | 5 or 10 years | 30 years | 5, 10, or 30 years |
| Amortization | 30 yr (balloon at maturity) | 30 yr — no balloon | 30 yr |
| Properties | 3+ (blanket) | 1 at a time | 1+ (single or blanket) |
| Loan Amount | $300K – $50M | $75K – $5M+ | $300K – $30M+ |
| Max LTV | 75% | 75% | 70–75% |
| Min Credit Score | 660 | 660 | 640 |
| Tax Returns | Not Required | Not Required | Not Required |
| Cash Out | Unlimited | Unlimited | Unlimited |
| Interest Only | Yes — at 70% LTV | — | Yes — to 60–65% |
| Best For | Portfolio investors wanting lower rates on 3+ properties | Building a portfolio one property at a time | Experienced investors needing flexible term options |
Not Sure Which Program Fits?
Call us and we'll walk you through the options based on your portfolio size, hold period, and investment goals. No obligation, no application fees.
Which Program Is Right for You?
Your ideal loan term depends on your investment strategy. Here's a quick guide to help you decide.
Choose 5 & 10 Year Fixed If…
You own 3 or more rental properties and want the lowest possible fixed rate. You're comfortable refinancing at the end of the term and want to maximize cash flow during the hold period. Interest only options keep payments even lower for qualified borrowers.
Choose 30/30 Single Property If…
You're buying or refinancing one property at a time and want the certainty of a full 30 year term with no balloon payment. You don't want to worry about refinancing at maturity. This is the go-to program for investors building a portfolio property by property.
Choose 30 Year Program If…
You want flexibility to choose between 5, 10, or 30 year fixed rates — for single properties or blanket portfolios. The 30 Year Program accommodates a wide range of investor profiles, from first-time buyers with a 640 FICO to experienced operators scaling past $30M.
All programs: DSCR-based qualification, no tax returns, competitive fixed rates.
What All Three Programs Share
Regardless of which term you choose, every loan from Rental Home Financing comes with the same investor-friendly underwriting approach and benefits.
No Tax Returns Required
We know landlords write off expenses. Qualification is based on the property's rental income and DSCR — not your W-2s or personal tax filings.
Unlimited Cash Out
Access the equity in your rental properties for any purpose — next acquisition, renovations, or building reserves. No caps on cash out amount.
Close in 2–4 Weeks
Asset-based underwriting means less paperwork and faster closings. Move quickly when the right deal comes along.
Nationwide Coverage
Financing available in all 48 contiguous states. Foreign nationals also qualify at up to 65% LTV on select programs.
Across All Programs You Get
- DSCR-based qualification — property cash flow is what matters
- No personal income verification, no W-2s, no tax returns
- Title held in LLC or personal name — your choice
- Purchase, refinance, or cash out on any program
- No application fees — appraisal fees collected at deposit only
- 1–2% origination paid from loan proceeds at closing
Ready to Lock In Your Rate?
Whether you're financing your first rental property or consolidating a 50-door portfolio, our team will help you pick the right term and get to closing fast. Apply online or call us for a free consultation.