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Residential Rental Loans (1 to 9 Units)

Non-owner occupied single family homes, duplex, triplex, quad, warrantable condo and townhomes  

Single property and portfolio loans

No upfront fees, tax returns or income verification

Cash-Out, refinance and finance purchase up to 80% LTV

Competitive interest rates

30-year fully amortizing, 5/1 ARM or 5-year interest only 

Fast, streamlined funding in 3 to 5 weeks

  1. Nationwide (primary, secondary and rural locations) 
  2. $250,000 to $2.5 million; portfolio loans: $500,000 to $20 Million+ (50% $75,000+ & other half $100,000+ appraised value) 
  3. Cash-out / refinance up to 80% of appraised value with 720+ credit (75% @680 to 720; lower LTV @620 to 680)
  4. 30-year-fixed fully amortizing or 5/1 ARM (5 years fixed with 30-year amortization)
  5. Finance up to 80% of purchase price
  6. No monthly payments for cash-outs until 4th month after loans close (3 months PITA escrowed)
  7. Origination: 2 points
  8. Prepay: 3/3/3/2/1 for 5/1 ARM; 5/4/3/2/1 for 30-year-fixed
  9. Loans close in LLC, corporation or partnership name
  10. Non-recourse portfolio loans available with variable rates
  11. No bankruptcy, foreclosure, short sales or deed in lieu last 3 years 
  12. Rates locked 15 days, after appraisals received. If loan doesn’t close within 15 days, floats until cleared to close for another 15 days
  13. No seller financing or second mortgages
  14. Warrantable condos 50% owner occupied, HOA dues 15% max 60 days past due and no more than 20% owned by one person
  15. No condotels, mobile homes, timeshares, commercial or mixed-use
  16. In-house loan servicing LO
  17. Processing fee: $2000
  18. Rent ready vacant properties financed using area monthly rents
  19. U.S. citizens, permanent residents, foreign nationals and first time investors welcome

To submit your online loan request, click the blue GET STARTED Link for PRE- APPROVAL within 48 business hours for qualified borrowers. No upfront fees, tax returns, income verification, credit cards, Social Security Numbers or credit checks required for PRE-APPROVAL.

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