Rental Home Financing
Your Agent for Rental Property Investment Mortgages
Blanket loans, portfolio mortgages, and flexible financing solutions for single-family rentals, apartments, and short-term vacation properties.
Our Loan Programs
Flexible financing solutions designed for real estate investors
Blanket Loans
Finance multiple properties under one loan with a single monthly payment. Perfect for portfolio expansion.
Learn More →Single Property Loans
30-year fixed rate financing for individual rental properties. Competitive rates with no tax returns required.
Learn More →Vacation Rental Loans
Specialized financing for Airbnb and VRBO vacation rental properties. No DSCR ratio required.
Learn More →DSCR Loans
Qualify based on property cash flow, not personal income. DSCR as low as .75 with no tax returns required.
Learn More →Stated Income Loans
No tax returns required. Non-bank lending with competitive rates for experienced investors.
Learn More →Portfolio Refinance
Refinance your rental portfolio with unlimited cash out. Competitive rates and up to 80% LTV.
Learn More →Best Mortgage Lender for Investment Property
Your Short Term Rental & Residential Blanket Mortgage Lender
Hard Money Lender
Short-term financing solutions for fix and flip or bridge loan needs. Fast approvals and competitive rates for experienced investors.
Non-Bank Lending
Direct lending without traditional bank requirements. No tax returns, no income verification. Qualify based on property cash flow and DSCR.
Rescue Your Equity
Cash out refinance programs to unlock trapped equity in your rental properties. Use proceeds for portfolio expansion.
Unlimited Properties
No cap on the number of financed investment properties. Finance your entire portfolio under one umbrella with competitive rates.
Investor Resources by State
Find landlord-tenant laws, housing authority contacts, real estate commission links, and market data for all 48 states where we lend. Each state page includes local resources every rental investor needs.
About Rental Home Financing
Who We Are
Located in Indianapolis, Indiana, we are a Direct Lender for most anything commercially oriented (for rent) including single family houses, town-homes, condos, and multifamily apartment buildings on a Nationwide basis. We specialize in 5th Generation Securitization and Flexible Investment Loans for real estate investors.
We will always separate ourselves from the competition by providing transparency within the marketplace and personal attention to custom situations and always competing for your business.
With over 25 years of experience in commercial and multifamily mortgage lending throughout all market conditions, the professionals at Rental Home Financing bring unmatched expertise and value to serious investors.
Learn more about our company →
Flexible Loan Terms
Our loan programs offer multiple rate term options to match your hold period and cash flow strategy:
- 5 & 10 Year Fixed — 30-year amortization, balloon at term end
- 30/30 Single Property — 30-year fixed, no balloon
- 30 Year Fully Fixed — fully amortizing, no balloon
Recent Deal Examples
Real scenarios from real investors — see what's possible
8-Property Portfolio
Ohio • Blanket Loan
Consolidated 8 rentals into one loan with a single monthly payment.
Beachfront Vacation Rental
Florida • Short-Term Rental Mortgage
Financed a high-income beach property using projected Airbnb revenue.
Cash-Out Refinance
Arizona • Residential Rental Loan
Pulled $85K in equity to fund down payments on two additional rentals.
Why Investors Choose Us
Specialized expertise in investment property financing
No Income Verification
Qualify based on property cash flow, not personal income.
Unlimited Properties
No cap on the number of financed properties you can have.
Fast Approvals
Streamlined underwriting process for quick closings.
Expert Team
Dedicated specialists who understand investor needs.
What Investors Say
"Closed on a blanket loan for 6 properties in under 4 weeks. No tax returns, no hassle. The team walked me through every step."
"I was turned down by two banks because of my self-employment income. RHF got me approved with a stated income loan in 3 weeks. Wish I'd called them first."
"Used their Airbnb loan program for a vacation rental in the Smokies. They used projected STR income to qualify me — no other lender would do that."
Ready to Grow Your Portfolio?
Get pre-qualified in minutes. Our team is ready to help you find the right financing solution.
Or call us at 888-375-7977 | Mon-Fri 9am-6pm EST
Resources for Investors
Real Estate Investor Guides
Expert advice on building and managing your rental portfolio.
Landlord's Corner
Tips for property management, tenant relations, and maximizing ROI.
State Resources
Market data and investment opportunities by state.
Loan Recommender Quiz
InteractiveAnswer 4 quick questions and we'll match you with the best loan program for your investment goals.
Find Your Loan →Deal Spotlights
Real ExamplesSee real deal scenarios with actual loan amounts, terms, and timelines from recent investor closings.
View Deal Examples →DSCR Loan Calculator
Free ToolCalculate your property's debt service coverage ratio instantly. See if your rental income qualifies for our DSCR loan programs.
Calculate Your DSCR →Mortgage Payment Calculator
Free ToolEstimate your monthly payment, total interest, and amortization schedule for any investment property loan.
Estimate Your Payment →