About Our Virtual Receptionist (Automated AI Assistant)

The Chat Assistant Is Automated

The chat window on this site is Rental Home Financing's virtual receptionist. It's an automated AI assistant, a computer program. It is not a person and it is not a loan officer. If you ask whether you're talking to a human, it will tell you plainly that it's automated.

Its job is the same as a front-desk receptionist's: answer common questions about our rental property loan programs, then set up a phone call with a loan specialist who can look at your actual deal.

What the Assistant Does

• Answers general questions about our loan programs using the information published on this website, and points you to the page where you can read more.
• Offers open appointment times and books a phone call with a loan specialist.
• Passes your callback request to our team so a specialist can call you, sometimes sooner than the time you booked.
• Shows our phone number at every step, so you can skip the chat and call.

What the Assistant Does Not Do

• It does not approve, deny, or pre-qualify anyone for a loan, and nothing it says is a loan offer or a commitment to lend.
• It does not quote an interest rate or a monthly payment for your specific deal. Pricing comes from a loan specialist after reviewing the property and your scenario.
• It does not give legal, tax, or investment advice.
• It does not take a loan application. To apply, use our online application or speak with a specialist.
• It does not text you. Follow-up is a phone call and, if you gave an email address, a confirmation email.

Is what the assistant tells you binding? No. AI assistants can make mistakes. The terms of any loan are the ones in your written loan documents, and a loan specialist will confirm the details that apply to you.

What We Collect in the Chat

We keep the messages you type and the assistant's replies. If you book a call, we also collect what you enter on the booking form: your name, your phone number, your email address if you provide one, the topic you want to discuss, and an approximate credit score range if you choose to give one.

The credit score range is optional. It goes to the loan specialist so the call is more useful. The assistant does not use it to decide anything and will not tell you what you can or can't get based on it.

For security and abuse prevention we also record technical details such as the page you were on, the time of each message, and a scrambled (hashed) form of your IP address.

Please Don't Share Sensitive Numbers

Don't type Social Security numbers, tax ID numbers, bank account or routing numbers, card numbers, or dates of birth into the chat. We never ask for them there. If one is typed anyway, our system is built to detect and remove it before the message is stored or processed by the AI.

How Your Messages Are Processed

To generate replies, your messages are sent to an AI model provided by a third-party service provider, Anthropic. The booking form is handled separately: your name, phone number, email address, and credit score range are not sent to the AI model.

Your Browser

The chat does not set cookies. It stores a small session code in your browser's local storage so the conversation can continue as you move between pages on this site. The conversation itself is not stored in your browser. Choosing "End chat" removes the session code. It also expires on its own after a period of inactivity.

How Long Chats Are Kept

Chat transcripts and booking details are kept for 25 months and then deleted. During that time they're used to follow up on your inquiry, to review the quality and accuracy of the assistant's answers, and to meet our record-keeping obligations. Authorized Rental Home Financing staff can read chat transcripts.

For more on how we handle personal information, see our Privacy Policy. Company licensing information is on our Licensing Disclosures page.

How to Reach a Person

Can you skip the assistant and talk to someone? Yes, any time. Call 888-375-7977 during business hours, Monday through Friday, 9:00 AM to 5:00 PM Eastern. You can also book a call inside the chat, or send a message through our contact page.

When you book a call in the chat, the appointment is confirmed right away. If you gave an email address, the confirmation email includes a link to cancel or reschedule.