Fast 30 Year Landlord Loans
We don't really care about your personal tax returns. We understand that most landlords write off expenses and may demonstrate a small or even loss on business returns. That's OK with us -- we base our decisions on the LTV and conservative cash flow of the collateral, not your W2, and no proof of employment is required.
RentalHomeFinancing.com, a Direct Portfolio Lender, provides competitive, fixed rate financing for bulk single family homes and apartment buildings that are for rent.
30-Year Fixed Rates
Lock in predictable monthly payments for the full term -- no balloon surprises or rate resets.
Maximum Cash Flow
Extended amortization means lower monthly payments and more cash flow for maintenance and growth.
Long-Term Planning
A 30-year fixed rate gives you certainty to project returns and plan portfolio expansion with confidence.
No Personal Income
Qualify based on property cash flow, not your W-2 or tax returns.
Where Are 30-Year Landlord Loans Available?
Our 30-year fixed rate landlord loans are available nationwide across 48 states, covering single-family rentals, duplexes, apartment buildings, and mixed portfolios. We review the cash flow of each property to ensure a minimum 1.0x debt service coverage ratio. Qualification is based entirely on the property's income -- not your personal W-2, tax returns, or employment history.
Conventional lenders cap investors at 10 financed properties under Fannie Mae guidelines. Our programs have no such limit. Investment property rates typically run 0.50-0.75 percentage points above primary-residence rates, but our 30-year fixed structure locks in predictable payments for the full term with no balloon surprises.
No Tax Returns
We don't need your W2 or tax returns. Decisions are based on property cash flow and LTV, not personal income.
Nationwide Lending
Available in most areas of the country, including programs for LLCs and corporate entities.
Close in 2-3 Weeks
Expeditious closing process with minimal closing costs and streamlined underwriting guidelines.
What Is the 30/30 Investment Loan Program?
The 30/30 program offers a 30-year fixed rate with 30-year amortization for a single property at a time. Loan amounts range from $75,000 to $3,000,000 with up to 80% of as-is value and unlimited cash out. No tax returns, no 4506T forms, and no W-2 required -- the property's DSCR drives the lending decision. The average closing timeline for DSCR loans is approximately 21 days versus 30-45 days for conventional financing.
30/30 Program Highlights
Before You Sign Anywhere Else
Before you sign and send thousands of dollars away in hopes of obtaining a loan, give us a call to discuss your rental portfolio, goals, and opportunity. We OFTEN beat the overall structure of your current lender by offering more favorable loan docs, credit terms/conditions, and a much cleaner closing process. We guarantee it will not be a waste of time. Call us today... 1-888-375-7977
A 30-year fixed rate is the foundation that lets you plan decades ahead with payment certainty
What Is the Securitization Blanket Loan Program?
Our blanket loan programs offer 5, 10, and 30-year fixed rate options with 30-year amortization, designed for landlords building serious rental portfolios. Loan sizes range from $500K to $50 million with up to 80% LTV. Portfolio investors managing 5+ properties can save thousands annually by consolidating into a single blanket mortgage versus maintaining separate individual loans.
Blanket Loan Highlights: 5 - 10 - 30 Year
- Flexible Seasoning -- Rate-and-term refinances have flexible seasoning. Cash-out refinances typically require 180-day ownership seasoning.
- Loan Sizes $500K To $50 Million
- Property Minimum Value $100,000
- Up to 80% LTV Max
- Full Term I/O Available To 60-65%
- Purchase - Refinance - Cash Out (Unlimited)
- Non US Citizenship OK To 65%
- 650 Min FICO
Loan Doc Features -- Truly Unique Program That Will Save You Thousands
NO Yield Maintenance Pre-Payment Penalties (PPP)
NO Monthly CAPEX Reserve Requirements
NO Long Bond Forms
NO Fee Requirements For Lender's Attorney
NO Post-Closing Liquid Reserve Requirements
Recycle Existing LLC Is "OK"
Is This Program Compatible with Your Current Investment Profile?
- No Need To Form A New LLC Such As Delaware -- Use Your Existing One!
- Ability To Sell Or Release Properties At Any Time
- Ability To Use Your Title/Escrow Company -- Of Course Can Use Ours As Well, Your Choice!
- Far Easier Underwriting Guideline Model Than The Competition
- Expeditious Closing Process And Minimal Closing Costs
Property Types Available for 5th Generation Blanket Loans
Single Family Housing
2 property minimum for blanket loan qualification. Perfect for landlords consolidating multiple SFR properties under one loan.
SFRs, Condos, Townhomes
Groups of single family rentals, condominiums, and townhomes can all be bundled into a single blanket loan structure.
Stated Multifamily
Searching for stated multifamily financing? We offer programs for apartment buildings and multi-unit properties.
Get Your Blanket Loan Quote
Finance 2 or more rental doors under one blanket mortgage ($500K minimum). We offer 5, 10, and 30-year fixed terms with up to 80% LTV nationwide.