About Rental Home Financing
Rental Home Financing specializes in financing income-producing properties with direct lending programs for single-family houses and multi-family investment properties throughout most of the United States. We work with real estate investors who need loan programs built around property income, not W-2s and tax returns.
Stated Income Programs
No W-2s or tax returns required. We qualify investors based on property income, not personal documentation, making approval straightforward for self-employed borrowers.
Single and Multi-Family
Finance individual rental houses, duplexes, apartment buildings, or entire portfolios. Our programs cover the full range of income-producing residential properties.
Fast Processing
Streamlined underwriting focused on the property rather than exhaustive personal income verification. Less paperwork means faster closings so you can act on deals quickly.
Nationwide Coverage
We lend in most states across the country. Whether you invest locally or in multiple markets, our programs can support your portfolio wherever you buy.
Our Mission
Our mission is to provide real estate investors with the financing solutions they need to build and grow their rental property portfolios. Traditional lenders often make it difficult for investors to obtain financing, requiring extensive income documentation that doesn't reflect how experienced investors actually operate. We've developed programs specifically designed for rental property investors who need a lender that understands their business.
Stated Income Lending
As a stated income lender, we focus on the property's income potential rather than traditional income documentation. This makes it easier for:
- Self-employed investors
- Investors with multiple properties
- Those who have been turned down by traditional banks
- Investors seeking fast, streamlined financing
Property income drives the approval -- not your tax returns
Qualify Without Tax Returns
Our stated income program lets you qualify on verified lease income and property cash flow. No W-2s, no personal income verification required.
Our Loan Programs
We offer a variety of loan programs to meet the diverse needs of rental property investors:
- Single Property Loans: Finance individual rental properties with our single property investor program
- Blanket Loans: Consolidate multiple properties under one loan with our blanket and multifamily loan program
- DSCR Loans: Qualification based on property cash flow, including our no-ratio DSCR option
- Cash-Out Refinancing: Access equity in your existing properties
- Short-Term Rental Loans: Financing for vacation rental and Airbnb properties through our short-term rental mortgage program
- 30-Year Fixed Rate: Long-term stability with our 30-year fixed DSCR loans
Find the Right Loan for Your Next Property
Whether you're financing your first rental or expanding a portfolio of twenty properties, we have a program that fits. No W-2 required. Property income is what matters.
Why Choose Rental Home Financing?
- Experience: Over 20 years serving real estate investors
- No W2 Required: Stated income programs available
- Fast Processing: Streamlined underwriting process
- Nationwide Coverage: We lend in most states
- Competitive Rates: Investor-friendly terms and pricing
What You Need to Get Started
Get Started Today
Ready to grow your rental property portfolio? Contact us today to discuss your financing needs.
Apply Online Now or call us at 888-375-7977
You can also contact us to speak with one of our loan specialists about your investment property financing needs.