Own the rental. Let the rent do the qualifying.
Finance My Rental
about 55 seconds left60 seconds · no hard credit pull · never sold
What type of property is this?*
Financing for rental properties — single-family through four units, long-term leases and short-term rentals — qualified on the property's income through DSCR rather than your tax returns.
- Market rent does the qualifying — no lease required to price
- No tax returns
- Lending in 47 states — everywhere except SD, ND, and VT
- 1–4 units — 2–4 unit multi-family welcome
- Long-term and short-term rentals
- Personal name or LLC
- No title seasoning on cash-out of $100K+
- No cap on number of properties
- First rental or fifteenth
- 2–4 unit multi-family
- Short-term rentals
- BRRRR right after rehab
Built to do what conventional financing can't.
The property qualifies
No W-2 or employment checks and no debt-to-income ratio. The rent against the payment is what's underwritten.
Short-term rentals welcome
Airbnb and other short-term rentals qualify on market rent, with no lease needed.
Vest how you want
Take title in your personal name or an LLC, and keep adding properties. There's no limit on how many you finance.
Cash out without the wait
At $100,000 and above, cash-out uses today's appraised value with no title seasoning, so a BRRRR can refinance right after the rehab.
Sound like your situation? Answer a few questions and I'll show you what you qualify for — about 60 seconds, no hard credit pull.
Check my options →Does your rental qualify?
DSCR calculator
DSCR is gross monthly rent divided by the full monthly payment (PITIA).
DSCR — 30-year fixed
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Enter your numbers.
An estimate is a start. Tell me about the property and I'll come back with real options for it.
Check my options →The numbers that matter.
- Property
- 1–4 units; long-term or short-term rental
- Purchase
- 20% minimum down payment
- Cash-out, $100K+
- No title seasoning · up to 75% LTV on today's appraised value
- Rate-and-term, $100K+
- No title seasoning · up to 80% LTV
- Under $100K, or a land-contract refinance
- 6 months of seasoning
- Credit
- 660+ gets the best pricing; below 620, an investment refinance is capped at 50% of value
- DSCR
- 1.00 means the rent covers the payment; 1.25+ typically earns the best pricing; under 1.00 can still work at a lower LTV
Available in 47 states: everywhere except South Dakota, North Dakota, and Vermont. Standard and reverse 1031 exchanges are supported, and exchange proceeds can fund the down payment.
- Refinancing a rental or adding one
- Rent that covers the payment
- Single-family or 2–4 units
- 660+ credit for the best pricing
- No W-2 or employment checks
- No debt-to-income calculation
- No cap on the number of financed properties
- DSCR is gross monthly rent divided by the full monthly payment (PITIA)
Good to know.
What is a rental property loan?+
A DSCR-style loan that qualifies on the property's rent instead of your income. No tax returns, 1–4 units, in your personal name or an LLC.
Can I finance an Airbnb or short-term rental?+
Yes. Market rent qualifies and no lease is needed.
What's the minimum down payment?+
20% on purchases.
Do you finance 2–4 unit properties?+
Yes, whether you're house-hacking or holding.
Can I use a 1031 exchange?+
Yes, including a reverse exchange. Exchange proceeds can be the down payment.
Can I refinance right after a rehab (BRRRR)?+
Yes. At $100,000 and above there's no title seasoning: up to 75% LTV cash-out or 80% rate-and-term on the new appraised value. Under $100,000, six months of seasoning applies.
Can I refinance a land contract?+
Yes, with six months of seasoning.
Still have a question about your own scenario? Start here and I'll answer it with your numbers in front of me.
Check my options →Let's build your structure.
Tell me your goal and the numbers. You'll get a clear, no-pressure plan — and the rate that fits it.