Who Is Rental Home Financing?
Rental Home Financing is an institutionally backed real estate lending firm headquartered in Indianapolis, Indiana, and a subsidiary of Direct Money Lenders Inc. We specialize exclusively in financing residential rental property portfolios throughout the United States, with billions of dollars available for deployment in the residential rental property sector.
Unlike traditional banks or mortgage brokers that treat investment properties as a secondary business line, rental property portfolio lending is our entire focus. Every member of our team -- from loan officers to underwriters to closers -- works exclusively with rental property investors. That specialization means we understand the challenges portfolio investors face: conventional lender caps on financed properties, personal income qualification hurdles, and the inability to finance properties across multiple states under a single loan.
Get Your Custom Loan Quote
No application fees, no tax returns required. Most loans close in 2-4 weeks with competitive rates based on your portfolio.
What Makes Rental Home Financing Different From Other Lenders?
Several factors distinguish our approach from conventional lending:
- Portfolio-based underwriting -- we evaluate the cash flow of your rental portfolio, not your personal income or debt-to-income ratios
- No property count limits -- finance 5 to 500+ properties under a single blanket mortgage, unlike Fannie Mae's 10-property cap
- Nationwide lending -- we lend in all 48 contiguous states and can finance portfolios spread across multiple markets
- Full recourse lending -- all loans are full recourse with entity-based lending in LLCs for proper asset separation
- Entity-based lending -- all loans are made to LLCs or corporations, providing asset protection for the borrower
- Institutional capital backing -- our funding comes from institutional sources, giving us the capacity to close large transactions reliably
We built this company around a simple observation: millions of rental property investors across the country are underserved by traditional lending. Banks impose arbitrary limits on the number of investment properties they will finance. Agency lenders require personal income qualification that penalizes investors whose wealth is tied up in real estate. We eliminated those barriers and created lending programs designed specifically for how rental property investors actually operate.
What Size Portfolios Do You Finance?
Our loan programs cover a wide range, from smaller portfolios of 5 properties to institutional-scale holdings of 500+ units. Loan amounts start at $500,000 and go above $50 million. Whether you are consolidating a dozen single-family rentals into your first blanket loan or refinancing a large multifamily portfolio, we have the capacity and the lending infrastructure to handle the transaction.
See What We Can Do for Your Portfolio
Dedicated rental property lending, nationwide coverage, and institutional-grade capital. Tell us about your portfolio and we will show you what is possible.
Browse our full range of residential rental property loan programs to find the right fit for your investment strategy.