Rental Loans

We lend to real estate investors looking for competitive rates and a personalized, reliable lending experience.

See Your Rate
No Personal Information Required
Scroll to Learn More

21 states






Rental Loan Criteria

If you and your rental property meet our qualifications, we’ll fund your deal.
We can tailor a loan to fit your rental portfolio.

Property Types
Single Family (1-4 units) and Multifamily (5-8 units)
Property Type
Investment, Non Owner Occupied
Loan Amount
$75k - $2.0M
30 Years
Fixed and Adjustable Rate
Starting at 4.50%
80% of "As-is" Value
Minimum Credit
See Your Rate

What is a rental loan?

Rental loans are used to purchase turnkey rental properties or to refinance those you currently own. You can perform a rate and term or cashout refinance. There are several different loan structures such as a 30 year fixed rate, 5, 7 or 10 year adjustable rate.

Typically, private lenders can provide flexible terms based on FICO and property cashflow. These are low-document loans with no personal income verification required.

What is a rental portfolio loan?

A rental portfolio loan allows real estate investors to refinance multiple properties into one loan. There are benefits to this approach – you pay one monthly payment to one lender, instead of multiple loans to multiple lenders, you can save on loan level processing costs and you can utilize one properties cashflow for another that may not be as strong to maximize loan terms.

Can I use the equity in my rental property?

By performing a cashout refinance you can pull out cash and equity from your property to reinvest. Typically private lenders take first lien and do not offer HELOCs or other similar structures.

How does a rental loan differ from a conventional mortgage?

There are a couple of main differentiators – conventional mortgages won’t tend to lend to LLCs, they report loans to the credit bureaus and they don’t allow more than several mortgages reporting on your credit report.

Private lenders are the vehicle to help you grow your portfolio. Rental loans typically close within 30 days, they only accept entities, and you can refinance multiple properties at once.

Refinance Your Rental Property

Do you want to pull cash out of your rental property to reinvest? Check out your rate. Close within 30 days.

Purchase a Rental Property

Do you want to add to your rental portfolio and found the perfect property with a tenant? Learn more about our long-term rental purchase loans.

Start Your Loan

Work Directly With The Underwriting Team

We built our secure borrower portal for ease of use. Our underwriting team communicates directly with you to provide feedback and updates throughout the process. You choose how you’d like to work via web, mobile or through email.

Start Your Loan
We Want To Earn Your Business

Our Team is Here For You

At LendSimpli, our team takes pride in providing financing resources to our borrowers to allow them to continue to grow their real estate portfolios. Schedule a call and take 5 minutes to see how we can assist you in achieving your investing goals.

See Your RateSchedule Call