Rental property
Buy-and-hold financing is not one product. Which one you want depends on whether you are buying, holding, pulling equity out, or fixing a property before anyone will let it — and picking the wrong one wastes weeks.
Get a free loan quote Call (833) 354-7666This is the question most rental enquiries really need answered, so here it is plainly. Each of these links to the detail if you want it.
A rental loan qualified on the property's coverage. Start with DSCR loans, which is how that coverage is measured.
The planned exit from a flip or bridge when you decide to keep the property. See long-term rental financing.
A cash-out refinance raises capital without giving up the asset.
Whichever product you land on, the lender is asking the same underlying question: does this property pay for itself, reliably, with enough margin that a bad month does not become a default?
A signed lease is the strongest form. A market rent opinion is acceptable but weaker.
Taxes, insurance and association dues at actual figures. This is where most borrower spreadsheets and lender underwriting part company.
Assume both. A model with neither signals inexperience more than anything else in the file.
How many you hold, how they are financed, and what cash remains after closing.
Once you hold several properties the arithmetic changes, and so does the sensible structure. One loan across a portfolio can be cleaner to manage and harder to unwind; separate loans are more paperwork and far more flexible when you sell one.
Easier to sell or refinance a single property without disturbing the rest.
One payment, one lender, typically fewer closing costs in aggregate — but releasing an individual property is more involved.
Holding in an LLC is normal on investor products. Bring the entity documents with the application.
The right product follows from what the property is currently doing, so these few facts decide the route far more than any preference you arrive with.
No fee to submit it, and no obligation once terms come back.
We are a connector, not the lender. We place your deal with private and hard money lenders who fund this profile; they underwrite it, approve it and set the terms. We will not quote a rate, points or leverage before a lender has read the file, and we do not use the word approved. If the deal does not fit private lending, we would rather tell you on the first call — see how the process works for the short version.