Long Term & Short Term Rentals
We understand that every investor has their own unique investment strategy, which is why we ensure we offer a wide variety of options, so we can offer our clients the most versatile suite of rental products available in the industry. Options and solutions is our mantra. Whether you’re looking to maximize monthly cash flow, cash out your equity to the max, float your rate or lock it in, refinance with one year seasoning or none at all, we have the loan solution you are looking for. We are not just your loan broker, we are your financial consultant and we are part of your team, and we take pride in being by your side as you achieve your goals.
Purchase Loans
Loans for investors who are purchasing rent-ready properties
Up to 85% LTV
Single property or portfolios
Loans from $75K to $50MM
15, 20, 30, 40-year term options
Interest-only options
Prepayment penalty periods from 0 to 5 years
Qualify cash flow using actual or market rent
Minimum DSCR requirement as low as 0.75
Delayed financing options
Rate & Term Refinance Loans
Loans for investors looking to refinance an existing loan
Up to 85% LTV
Single property or portfolios
Loans from $75K to $50MM
15, 20, 30, 40-year term options
Interest-only options
Prepayment penalty periods from 0 to 5 years
Vacant properties allowed
0-month seasoning options
Minimum DSCR requirement as low as 0.75
Cash-Out Refinance Loans
Loans for investors who want to cash out some or all of their equity in a property
Up to 80% LTV
Single property or portfolios
Loans from $75K to $50MM
15, 20, 30, 40-year term options
Interest-only options
Prepayment penalty periods from 0 to 5 years
Vacant properties allowed
0-month seasoning options
Minimum DSCR requirement as low as 0.75
Cash-out funds can cover reserve requirements
Short-Term Rental Loans
Listing an investment property on short-term rental platforms like Airbnb and VRBO can significantly boost cash flow and monthly returns compared to long-term leases, depending on the market. DSCR-based short-term rental loans can finance purchases, refinance existing loans, or unlock equity, regardless of occupancy. Our lending partners calculate DSCR using methods such as long-term market rent projections, historical STR revenues, or AirDNA projections. Options include single properties or portfolios, covering both single and multi-unit properties.
Up to 80% LTV on purchases
Up to 75% LTV on refinances, including cash-outs
Loans from $75K to $50MM
No historical STR revenue required
No STR experience required
Minimum required DSCR as low as 1.0
Vacant properties allowed
0-month seasoning options
