Investors can now use our Single Property Loan to purchase, refinance, or cash out individual rental properties one at a time. Investment property loans are not as difficult to obtain as you may think — our program is not based so much on your credit score as the investment properties themselves. We base our decisions on the property and its potential income, not your personal tax returns or W-2s.
Our new 30/30 program features a 30 year fixed rate with 30 year amortization and no balloon payment. Whether you are buying your first rental property or adding to an established portfolio, we are your lending partners from your first property to your 100th.
Single Property Loan Program Highlights
Our Single Property Loan program is designed for rental property investors who want to build their portfolio one property at a time. Whether you are a newly formed real estate investor or a truly seasoned rental professional, our streamlined process and access to capital make it easy to finance individual investment properties with competitive terms and no personal income verification.
Loan Terms
30/30 PROGRAM
- 30 Year Fixed Rate
- 30 Year Amortization – No Balloon
- Up to 75% LTV
- $75K – $5M+ Loan Size
- Declining Prepayment Penalty
- 85% DTI – Commercial Cash Flow Terms
Borrower Benefits
NO TAX RETURNS
- No Tax Returns Required
- 660 Minimum FICO
- Unlimited Cash Out
- Fund Directly Into Your LLC
- Non-US Citizens OK
- Easy Down Payments
Underwriting
ASSET-BASED LENDING
- Cash flow based qualification
- No personal DTI calculations
- 1–2% origination at closing
- Close in 2–4 weeks
- Common sense underwriting
Your Lending Partners From Property 1 to Property 100
Our rental investor financing lending programs allow investors to build their rental property mortgage portfolios one by one. We are the investment property lenders that help get your cash flow generating and get you started with an investment property to grow into a real estate empire. We do more than just provide a rental property loan — we are hard money lenders that are concerned about your rental income. When you are ready for your first rental property, we will walk you through the available investment property loans to help you find the right investment and get your real estate cash reserves built up. Whether you are just wanting to improve your home equity line of credit, increase property value, or get started as a real estate investor, give us a call.
Both newly formed real estate investors and truly seasoned rental professionals are able to use our Single Property Loan program. Professional landlords will appreciate the streamlined application process and access to capital, while first-time property owners should use our online resources available to assist those looking to make their own mark into rental property investing. A typical lender may want you to put down 20–25% depending on the number of rental doors for a cash out refinance — our program offers competitive leverage at up to 75% LTV.
No Tax Returns
We understand that most landlords write off expenses. Our loans are based on property cash flow, not your personal income.
30 Year Fixed Rate
Lock in your rate for the full 30 year term with no balloon payment. Predictable payments for the life of the loan.
Unlimited Cash Out
Access the equity in your existing rental properties to fund your next acquisition or build cash reserves.
Hard Money Loans vs Conventional Loans
Understanding the difference between financing options is critical for making the right investment decision. A hard money lender like us is a type of private lender that offers financing based on the value of the property and its potential income, rather than the borrower's creditworthiness. We see this as commercial property, so your debt-to-income ratio is not as important as the loan-to-value ratio. Traditional conventional loans and hard money loans each serve different purposes in a rental investor's toolkit, and choosing the right one depends on your timeline, credit profile, and investment strategy.
Conventional Loans
Conventional loans are not always the best option for rental properties. They can be more difficult to get and may require higher down payments, higher interest rates, and extensive personal income documentation. Banks also impose limits on the number of financed properties and rely heavily on personal credit scores and debt-to-income ratios.
Hard Money Loans
Hard money loans are often used by investors to purchase and rehab properties, as they can be approved quickly and are typically for shorter terms than traditional bank loans or fix and flip loans. The mortgage loan from hard money lenders is your shortest route to rental income for commercial property — a more efficient way to finance investment properties.
How Our Asset-Based Underwriting Works
Investment property loans that help you build rental income are our specialty. Unlike a typical conventional mortgage lender, we know you are treating this like commercial property and expect the real estate cash flow to not only cover the mortgage loan, but to also put rental income into your pocket. The rental property value and financing options do not have to take into account your personal credit report for the loan terms, because we base our decisions on the monthly cash flow of the investment property. We determine qualification based on the property's potential income, loan-to-value ratio, and debt service coverage ratio — not your personal DTI. You can apply online free for a quick response.
This asset-based approach means that your minimum credit score and down payment are not the primary factors on investment property loans. We take into account the monthly cash flow toward qualification, reducing the barriers that traditional lenders create. We want the investment property loan for your rental property to give you as much freedom as possible, which is why we also provide cash out refinancing options on existing rental properties.
Investment Properties Are in Your Reach
Yes, you can own investment properties. You can buy rental property with an investment property loan using an LLC as well. This gives you a fresh credit score to get the rental property without worrying about your personal debt-to-income ratio on your W-2 — a huge game-changer for obtaining rental property when a credit score is not optimal. Not having to worry about a personal credit score allows more flexibility than with credit unions or traditional mortgage lenders.
You no longer have to wait to buy your first rental property because you thought you would not qualify. With competitive interest rates from private lenders like us, our mortgage loans factor in the cash flow of the investment property — not your personal income or W-2s.
Low Credit Score? We Can Help
Why go with conventional loans for rental property when we can get your cash flow moving with a hard money loan even with a minimum credit score of around 660? Investment properties with a rental property loan from us help you build wealth faster. Your minimum credit score and down payment are not the primary factors on investment property loans because we take into account the monthly cash flow to reduce the rental property down payment. This also helps with the down payment and monthly mortgage payments on your investment property loans. With our competitive interest rates, this beats conventional lenders and conventional mortgages hands down for a 30 year single property loan.
Apply Online or Call
Complete our quick online application or call 888-375-7977 for a free phone consultation. Tell us about the property you want to finance and your investment objectives.
Property Cash Flow Review
We evaluate the property's rental income potential, LTV, and DSCR. No tax returns, W-2s, or personal DTI calculations are needed. We focus on the asset, not your personal finances.
Close in 2–4 Weeks
Once approved, we move quickly to closing. Origination is 1–2% paid from loan proceeds at close. Title can be held in your LLC or personal name — your choice.
Start With Your Primary Residence
You can even start with your primary residence as your first rental income property — a strategy that beats a traditional mortgage for building wealth. We build your investment property loan around your potential cash flow, because when you are successful, we are too. Whether you are converting your current home into a rental or purchasing your first investment property, our programs are designed to get you started on the path to financial freedom through real estate.
Other Loan Programs We Offer
We have more than just single property loans that outperform a traditional mortgage. We also beat the conventional loan programs from credit unions and other online lenders for real estate investors. Our rental property loans work with a minimum credit score based on rental income. We have other loan programs available that extend into multifamily property, multiple loans under one mortgage, and more — including options that complement FHA loans and VA loans for investors looking to expand.
Finance multiple properties under one loan. Consolidate your portfolio with a single mortgage.
Apartment building financing for 5+ unit properties with expanded approvals.
Airbnb and vacation rental financing for short-term rental investors.
No debt service coverage ratio required. Qualify based on property value alone.
We Help You Build Cash Reserves
We want the investment property loan for your rental property to give you as much freedom as possible. That is why we also provide cash out refinancing options on existing rental properties and provide a maximum loan for real estate investing that is focused on your gross rental income. With no tax returns, no personal DTI, and title options in LLC or personal name, we remove the barriers that traditional lenders put in front of rental property investors.
Call us today at 888-375-7977 for a free phone consultation, or apply now to start the process.