Rental Loans

Rental Loans are a financing option for investors looking for a long-term solution, at an attractive rate. Underwriting is heavily weighted on the DSCR (Debt-Service Coverage Ratio) and not the individuals DTI (Debt to Income).

Rental Loans


Minimum DSCR (Rental Income/ Debt Service): 0.8

Minimum Credit Score: 620

Rental in place: Not Required

Foreign Nationals: Qualified with reduced LTV


Standard Closing Costs:

Origination Fee: 1-2%

Underwriting Fee: $1,500

Legal: $750 – $1,500

Appraisal Fee: $500-$950

Title Insurance and recording fees: 1% (Approximate)


Standard Requirements:

  • Credit Application (Link to Start Now)
  • Last 3 bank statements (US bank account)
  • Copy of ID and Borrowing Entity docs
  • Purchase Contract (If Purchase)
  • Property Insurance
  • Schedule of costs
  • Lease Agreement

Standard Loan Terms

Max Loan Amount: $3,000,000

Max LTV: 70% of appraised value or purchase price (The lowest)

Rate: 3.99% – 6.99%

Payments: Monthly principal and interest payments.

Term of loan: 30 Year


Property Types

  • Condominiums.
  • Single-family residences.
  • Two to four units.
  • Townhouses.
  • Other property types case by case.

Standard Closing Time:

The usual time to close is 20-30 days.

Contact us


What is the interest rate and loan term?
Usually, loan rates are 9% and 1.75% points. Loan terms are 12-36 months

What is the loan type?
Most our loans are interest only, which means a fixed interest is paid throughout the term and full balance at maturity. For example, a $100,000 with 12 months term and 9% rate will yield 12 monthly payments of $750 and a final payment of $100,000

What happens if I sell the property or prepay the loan before maturity?
In most of our loans there is no prepayment penalty.