RENTAL LOANS
Rental loans are a type of real estate financing designed specifically for purchasing or refinancing income-producing rental properties.
These loans are commonly used by real estate investors who plan to buy and hold properties for long-term cash flow rather than quick resale.
RENTAL LOANS
Long-term investors
Airbnb or traditional landlords
Refinancing portfolios
Scaling real estate income streams
Key Features of Rental Loans:
Property type: Typically used for single-family homes, duplexes, triplexes, quadplexes, and sometimes small multifamily properties (up to 4 units).
Loan term: Usually 30 years, fixed or adjustable interest rate.
Qualification: Based more on the property’s cash flow (debt-service coverage ratio or DSCR) than the borrower’s personal income.
Down payment: Generally 20–25%, though some lenders offer lower with higher interest rates.
Common Uses:
Buy-and-hold investors looking to build long-term passive income.
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