Not sure which loan program fits your investment? Answer four quick questions and we'll match you with the right financing — no credit pull, no obligation. Takes less than 60 seconds.
60 Seconds Flat
Four questions, instant results. No account creation, no email required, no waiting.
No Credit Pull
This quiz doesn't touch your credit. We match based on property type, portfolio size, and general credit range.
7 Programs Covered
Single property DSCR, blanket loans, multifamily, short-term rental, no-ratio — we'll point you to the best fit.
Talk to a Specialist
Your result includes a direct link to apply or call our team. Get personalized terms within 24 hours.
Match your investment strategy to the right loan program in under a minute
How does the loan recommender work?
We offer seven distinct loan programs, each designed for a different type of rental property investor. The quiz below asks about your goal (purchase, refinance, or cash-out), how many properties you're financing, the property type, and your general credit range. Based on those four answers, we'll match you with the program that gives you the best combination of LTV, rate structure, and qualification flexibility.
Every program qualifies on property-level cash flow rather than personal income — no tax returns, no W-2s, no employer verification. The differences come down to portfolio size, property type, and credit thresholds.
Already Know What You Need?
Skip the quiz and apply directly. Our team will match you with the right program and get back to you within 24 hours.
Loan Recommender Quiz
4 questions, instant results
What's your investment goal?
Purchase new property
Buy a new rental investment with financing
Refinance existing property
Replace your current mortgage with better terms or a lower rate
Cash-out refinance
Pull equity from existing properties to fund new investments
Finance multiple properties
Consolidate several rentals under one loan or finance a portfolio
How many properties?
1 property
Single investment property
2-4 properties
Small portfolio
5-10 properties
Mid-size portfolio
10+ properties
Large portfolio
Property type?
Single-family rental
Detached SFR or townhome
2-4 unit multifamily
Duplex, triplex, or fourplex
5+ unit apartment
Apartment building or complex
Short-term rental / Airbnb
Airbnb, VRBO, or vacation rental
Estimated credit score?
720+
Excellent credit
680-719
Good credit
640-679
Fair credit
Below 640
We may still have options
Your Answers:
What types of rental property loans are available?
We offer programs for single-property purchases, multi-property blanket loans, multifamily buildings, and short-term rentals. Each program has different LTV limits, credit minimums, and term structures. The quiz narrows these down based on your specific situation, but here's a quick overview:
Single property investors typically qualify for either a 30-year fixed DSCR loan (660+ credit, up to 80% LTV) or a single property investor loan (640+ credit, up to 75% LTV). If your property's cash flow is tight, the no-ratio DSCR program eliminates the income coverage requirement entirely.
Portfolio investors with multiple properties benefit from blanket loan structures that consolidate everything under a single note. And if you're buying an Airbnb or VRBO property, the short-term rental mortgage qualifies on actual platform revenue rather than traditional lease income.
Can I qualify without tax returns or income verification?
Yes. Every program we offer underwrites based on the property's cash flow, not your personal income. No tax returns, no W-2s, no employer verification, no personal debt-to-income calculations. Your credit score and the property's debt service coverage ratio (or LTV for no-ratio programs) determine qualification.
What You'll Need to Apply
- Credit score of 640 or above
- Property address and estimated value or purchase price
- Current or projected rental income (lease or platform revenue)
- Entity documentation if borrowing through an LLC (optional)
- Down payment or existing equity of at least 20-25%
Not Sure Yet? Talk to a Specialist
Our lending team can help you find the right program for your investment goals. No obligation, no hard credit pull.