Mon – Fri 9-6 EST
Sat-Sun Closed
9465 Counselors Way Suite #200, Indianapolis, IN 46240

Double your rental business with our innovative Rental Products!

INVESTMENT PORTFOLIO MORTGAGE PROGRAMS

landlord loans

New for 2021 - As Rental Home Financing, a Direct Lender, enters our 16th year of arranging loans exclusively for landlords, we have recently negotiated a virtually unlimited amount of capital to deploy.

 

Now with more aggressive underwriting guidelines, adjustable rate ARM products to help you grow your rental portfolio. Here are a few pointers to help you decide what is your best fit:

Our Investment Loan Products

SINGLE PROPERY LOANS

Ideal for the first time to the moderate investor that is acquiring new or restructuring debt. Loan features lower upfront cost, use of existing entities, no CAPEX requirements, expeditious closing times. Our Single Asset product is more aggressive underwriting and often more creative than Blanket Loans.

BLANKET LOANS

Best overall solution for active investors that have 3 or more properties and are seeking lowest rate. Other reasons investors might seek this option would include minor credit issues, require non-recourse execution, or don’t mind longer term pre-payment penalties.

VACATION RENTAL LOANS - NO RATIO

AS the name implies, most aggressive business purpose investor product on the market today - Hands down - Perfect for higher end properties that simply don’t cash flow using traditional market rents. We simply require a qualified borrower and a property that shows pride of ownership in a well populated city.

 

Single Asset
Loans


Number of Properties:

1-500

Terms: 
3/1 - 5/1 -7/1 -10/1 - 30 year


Seasoning:
90 Days to 6 Months for 75%


Property Types:
SFR (1-4) Unit - Townhome - Condo,
Multifamily 5+ to 100 unit


DTI - DSCR Requirements:
1.0 - 1.20


CAPEX Required:
NO


Min Property Value:
75,000 and Up+


Loan To Value - (LTV):
75% - 80%


Credit Requirements:
600+ (product is credit sensitive)

>2 years out of bankruptcies
or other major credit events
No personal DTI Calculated

Loan Amounts:
$50,000 and up


Borrowing Entity:

LLC - LLP - Corporations
Land Trust - Personal Names

Borrower Income:
Not Verified - No Tax Returns


Self Managed Allowed:

YES

Amortization:
30 year - Interest Only


Recourse:

Recourse Only

Type of Transactions:
Purchase - Refinance - Cash out


Pre-Payment Penalties:

Step down or NO Penalties

Impounds:
Required


Lending Area:

Nationwide

Closing Agent:
Use your Closing Agent/Attorney


Other Notes:

NO Personal Income Verification
Property Based on Subject Cash Flow

Blanket
Loans


Number of Properties:

5 Property Minimum

Terms: 
3yr - 5yr - 7yr - 10yr


Seasoning:
90 Days


Property Types:
SFR (1-4) Unit - Townhome - Condo,
Multifamily 5+ to 100 unit


DTI - DSCR Requirements:
1.2x


CAPEX Required:
Not Always


Min Property Value:
$50,000


Loan To Value - (LTV):
75% Maximum


Credit Requirements:
600+ (product is credit sensitive)

>2 years out of bankruptcies
or other major credit events
No personal DTI Calculated

Loan Amounts:
$500,000 min


Borrowing Entity:

LLC - Newly Formed 


Borrower Income:
Not Verified


Self Managed Allowed:

YES

Amortization:
30 year - Interest Only


Recourse:

Recourse or Non-Recourse

Type of Transactions:
Purchase - Refinance - Cash out


Pre-Payment Penalties:

Yield Maintenance Standard

Impounds:
Required


Lending Area:

Nationwide

Closing Agent:
Suggested to use our Title Partner


Other Notes:

NO Personal Income Verification
Property Based on Subject Cash Flow

Vacation Rentals
NO RATIO


Number of Properties:

10-Jan

Terms: 
3/1 - 5/1 -7/1 -10/1 - 30 year


Seasoning:
6 months for Cash Out


Property Types:
SFR (1-4) Unit - Townhome - Condo


DTI - DSCR Requirements:
NO DSCR RATIO Calculated


CAPEX Required:
NO


Min Property Value:
$350,000 Target


Loan To Value - (LTV):
75% Maximum


Credit Requirements:
600+ (product is credit sensitive)

>3 years out of bankruptcies
or other major credit events
No personal DTI Calculated

Loan Amounts:
$250,000 min


Borrowing Entity:

LLC - LLP - Corporations
Land Trust - Personal Names

Borrower Income:
Not Verified - No Tax Returns


Self Managed Allowed:

YES

Amortization:
30 year - Interest Only


Recourse:

Recourse Only

Type of Transactions:
Purchase - Refinance - Cash out


Pre-Payment Penalties:

Step down or NO Penalties

Impounds:
Required


Lending Area:

Most Areas in the USA

Closing Agent:
Use your Closing Agent/Attorney


Other Notes:

NO Personal Income Verification
Property Based on Subject Cash Flow

Rental Home Financing: For Fast Profitable Real Estate Investing!

RHF LOGO BIG

Landlord Financing

Rental Home Financing specializes in landlord financing by providing permanent financing for investors with at least 1 property in most areas of the country with our innovative new programs geared toward the entrepreneur investor.

Avoid balloon payment problems with long term rental income. Whether you are in search for money lenders for a commercial loan like an airbnb loan or a multifamily property, we got you covered.

Easy Loan Review Process

We will review the cash flow of the properties and ensure they cover the annual debt service ratios of >1.2 which is a commercial term for cash flow. We are here to help the residential investor with stated income loans, multifamily blanket mortgage loans, 5 and 10 year fixed rate loans, 30 year fixed rate loans, non performing loan financing, airbnb financing, and apartment building financing.

Easy Loan Qualifiying: No Tax Returns Required 

As private equity lenders that specialize in rental property, 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…All of our decisions, are based on the LTV, credit, loan size, net worth, cash flow of the collateral like a home equity loan.

Resourceful  and Creative Investment Financing

There are several underwriting “buckets” that can be underwritten to based upon your specific loan requirements that offer competitive Non-Bank products that enable you to expand your rental business! This provides us with an abundance of non-traditional creative financing to help your investments grow.

If you don’t see what we offer, please contact us for a custom quote. We are here to help with your property income loan needs even if it is just a single asset loan. We will help you with loan terms for multifamily loans with better interest rates without the worry of your personal credit score that is usually an issue with a traditional mortgage.

Forbes.com Magazine

Forbes.com

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Trulia

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Vrbo

Money Magazine

Money Magazine

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Zillow

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The Home Depot

Rental Home Financing Investment Loan Products

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Rental Home Financing
9465 Counselors Way
Suite #200,
Indianapolis, IN 46240

ABOUT US
Rental Home Financing originates commercial blanket loans with a commercial purpose and is not currently authorized to make such loans in all areas of the United States. Specific circumstances will determine whether we have the ability approve/close portfolio rental home loans in your state(s). 

CALL TODAY: 888-375-7977
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