Grow your rental portfolio without the seasoning and strict credit requirements of the banks.

  • Secure a rental property without seasoning requirements
  • Receive funding from $75,000 to $1,500,000
  • Lower credit requirements than the banks
  • 30-year long-term loan
  • No prepayment penalty after 3 years

When you find the right property to add to your portfolio, the last thing you want is for a lender to drag their feet and jeopardize your closing, or for a bank to tell you that it doesn’t meet their qualifications as a “seasoned” property. Or worse yet, if your property is perfect, but your credit score doesn’t meet their strict standards. We offer dedicated Rental Loans with fast closings, flexible credit requirements, and no property seasoning needed.

When you take a rental loan with us, you’ll get:

  • Closings as fast as 48 hours from clear title
  • Rental property funding from $75,000 to $1,500,000
  • Credit score flexibility
  • 30-year loan term
  • No prepayment penalty after 3 years
  • A dedicated specialist for all of your transactions
  • Free underwriting on all of your deals

Finding the right rental property is hard enough, let us help you secure a Rental Loan as quickly and smoothly as possible. Between our flexible structuring, quick closings, and low rates, we’re here to bring you massive value as you grow your rental portfolio. Contact us today for a free, no-obligation consultation!

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Answers to Your Questions About Rental Loans

What are the requirements for a Rental Loan?

  • Non-owner occupied properties only
  • 1-4 unit properties only
  • Minimum credit score of 650
  • No repair budget included in Rental Loan

Do I need good credit?

While credit does play a part in determining the risk to a lending institution, hard money lenders have more flexibility than banks when it comes to credit scores. To secure a Rental Loan, borrowers will need a credit score of 650+.

Can I Start with a Fix and Flip Loan, then refinance into a Rental Loan?

Yes. The Rental Loan does not include funds for repairing a distressed property, but you can rehab a property with a Fix and Flip Loan before refinancing into a 30-year Rental Loan. This strategy allows you to fix a property and keep it as a rental using a single lender who already has your borrower documents on file.

What can this be used for?

This loan can be used to acquire single-family and multi-family properties to be used as rentals without needing the property to be seasoned first.