Our 30/30 Single Property Loan program gives rental investors a 30-year fixed rate with full 30-year amortization and no balloon payment. Loan amounts from $75K to $3M, up to 80% LTV, and origination of 1–2% paid at closing from loan proceeds. No tax returns, no W-2s, no personal DTI.
This page covers the complete term sheet — rates, fees, qualification thresholds, and how our program compares to shorter-term alternatives. For a broader overview of the loan product, see our Single Family Rental Home Loan page.
30/30 Program Term Sheet
The name says it: 30 years fixed, 30 years amortized, zero balloon. Here's exactly what the program includes, broken into three categories: loan structure, borrower qualifications, and underwriting mechanics.
Loan Terms
30/30 PROGRAM
- 30 Year Fixed Rate
- 30 Year Amortization – No Balloon
- Up to 80% LTV
- $75K – $3M Loan Size
- Declining Prepayment Penalty
- 85% DTI – Commercial Cash Flow Terms
Borrower Benefits
NO TAX RETURNS
- No Tax Returns Required
- 650 Min FICO
- Unlimited Cash Out
- Fund Directly Into Your LLC
- Non-US Citizens OK
- Easy Down Payments
Underwriting
ASSET-BASED LENDING
- Cash flow based qualification
- No personal DTI calculations
- 1–2% origination at closing
- Close in 2–4 weeks
- Common sense underwriting
What Does 30-Year Fixed Mean for a Rental Loan?
A 30-year fixed rate means your interest rate and monthly payment stay the same for the entire 30-year term. There's no adjustment after 5 or 7 years, no rate reset, and no balloon payment at any point. This is full amortization — every payment reduces principal, and after 360 months the loan is paid in full.
For rental investors, a fixed rate eliminates the risk of rising payments eating into cash flow. You know your debt service cost from day one, which makes it straightforward to calculate your monthly cash flow and cash-on-cash return with certainty.
Ready to Lock in Your 30-Year Rate?
No tax returns, no W-2s, no personal DTI calculations. Our asset-based lending gets you funded in 2–4 weeks.
How Does the 30/30 Compare to Other Programs?
Not every rental property loan needs to be a 30-year fixed. Shorter-term programs can offer lower rates, and blanket loans can simplify portfolio management. Here's how the 30/30 stacks up against the alternatives we offer:
30/30 Single Property
- Fixed Rate: 30 years
- Amortization: 30 years, no balloon
- Properties: 1 per loan
- Max LTV: 80%
- Loan Size: $75K – $3M
- Tax Returns: Not required
Best for: Long-term hold, stable cash flow
5 & 10 Year Fixed
- Fixed Rate: 5 or 10 years
- Amortization: 30 years, balloon at term end
- Properties: 1 per loan
- Max LTV: 80%
- Loan Size: $75K – $3M
- Tax Returns: Not required
Best for: Lower initial rate, planned refi
Blanket Loan
- Fixed Rate: 5–10 years
- Amortization: 25–30 years, balloon at term end
- Properties: 2–20+ per loan
- Max LTV: 80%
- Loan Size: $500K – $100M+
- Tax Returns: Not required
Best for: Portfolio consolidation
The 30/30 is the right choice when you plan to hold the property long-term and want zero payment uncertainty. If you're comfortable refinancing every 5–10 years and want a lower starting rate, our 5 & 10 Year Fixed Rate program may be a better fit. And if you own multiple properties and want to consolidate them under a single mortgage, look at our blanket loan program.
30-year fixed rate. No balloon. Your payment never changes.
How Do I Get Started?
The process from application to funded loan typically takes 2–4 weeks. There's no application fee, and the entire qualification process is based on the property — not your personal income.
Apply Online or Call
Complete our quick online application or call 888-375-7977 for a free phone consultation. Tell us about the property you want to finance and your investment objectives.
Property Cash Flow Review
We evaluate the property's rental income potential, LTV, and DSCR. No tax returns, W-2s, or personal DTI calculations are needed. We focus on the asset, not your personal finances.
Close in 2–4 Weeks
Once approved, we move quickly to closing. Origination is 1–2% paid from loan proceeds at close. Title can be held in your LLC or personal name — your choice.
30/30 Single Property Loan Quick Reference
- 30-year fixed rate with 30-year amortization — no balloon payment
- Loan amounts from $75K to $3M
- Up to 80% LTV on purchase and refinance
- No tax returns, W-2s, or personal income verification
- 650 minimum FICO score
- 1–2% origination paid from loan proceeds at closing
- Title held in LLC or personal name
- Unlimited cash out refinancing available
- Close in as little as 2–4 weeks
Want to understand the full loan product — who it's for, use cases, and how it compares to conventional financing? Visit our Single Family Rental Home Loan overview page.
Get Your 30/30 Term Sheet
Apply online in minutes or call for a free consultation. We'll run the numbers on your specific property and give you a clear answer on rate, LTV, and closing timeline.