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The Right Rental Loan is our tailored and industry-leading solution for cash flowing investment properties whether you are buying to add to your portfolio or cashing out your capital in a refinance, we have a loan for you. We are also a leader in short term rentals – properties used for AirBNBs, VRBO or vacation homes – we have flexible and ultra-competitive terms to get deals done. We have solutions for anyone – from first-time investors dipping to industry veterans looking to rapidly expand their portfolios – we are confident we can find you a great loan in a quick, efficient and easy process.

Buying an apartment

Program Terms

  • Loan Amounts: $100K - $3M (Blanket Portfolio Loans up to $5M)

  • Rates: 6.99% to 8.99%

  • Geography: Nationwide (except North and South Dakota)

  • Property Types: Residential, Short-Term Rental / Vacation Rental, Mixed Use (commercial/residential, up to 3 commercial units)

  • Occupancy: Long-Term or Short-Term Rentals, Vacancy OK (on Acquisitions), no operating history required on STRs

  • Loan Structure: ARMs30-Year Fixed Rate Mortgage Loans, 3 to 5-Year Prepayment Penalties, Partial IO (10-Years) Available, Entities (i.e. LLCs) and partners welcomed

  • LTVs: Up to 80% (Acquisitions/Rate-Term Refi), 80% (Cash-Out)

  • DTI: Not Applicable (We don’t require tax returns or evaluate your personal income or finances when evaluating your application)

  • DSCR: 0.75x minimum

  • Credit Score: 620 minimum

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