Starting Rate
Rates from 5.39%*
Real Estate Lending / One-Four Unit Rental Loans
One-Four Unit Rental Loans
For Investors Building Durable Cash Flow from One Residential Rental at a Time.
Choose a Fixed or Adjustable Structure for an Eligible Rental Property, with Options Designed for Purchase, Rate-Term Refinance, and Cash-Out Strategies.
At a Glance
5.39%
Starting Rate
30 yrs.
Term
$75K–$2M
Loan Amount
Plan the Property
See How the Rent Carries the Loan.
Use This Quick DSCR Estimate to Pressure-Test a 1–4 Unit Rental Property Before You Start a Conversation.
Keep the Product Lane Clear
This Tool Is for Single-Family, Duplex, Triplex, and Fourplex Rentals. For 5+ Unit Properties, Explore Multifamily Bridge.
Next Step
Quick Application
Complete the Quick Real Estate Investor App and We’ll Be in Touch Shortly Regarding Your Term Sheet.
Applying For
One-Four Unit Rental Loans
Your Product Path Is Identified Here so You Can Focus on the Property and Project Details.
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Rates & Terms
The Useful Details, in One Clear View.
Guidelines Give the Project a Starting Point. We’ll Look at the Asset, the Plan, and the Borrower Together to Confirm Fit.
Term / Payment
30-Year Term; Fixed and Adjustable Options; Fully Amortizing and Partial Interest-Only Options
Loan Amount
$75,000–$2 Million
LTV
Up to 80% LTV for Purchase or Rate-Term Refinance; Up to 75% for Cash-Out
DSCR
Minimum 1.05x, Based on Gross Rent vs. PITIA
Minimum FICO
660
Recourse
Full Recourse
Borrower Requirement
Entity Borrower Required
Eligible Property Types
SFR, 2–4 Unit Properties, Warrantable Condos, Townhomes, and PUDs
Key Restrictions
90-Day Seasoning; Vacant Purchases Allowed; Foreign Nationals Up to 65% LTV
Explore the Full Lending Suite
Find the Right Path
for the Deal.
Who It’s For
A Capital Path with a Clear Job to Do.
Investors Holding a Single-Family Rental, Small Residential Property, or Eligible Condo for Long-Term Wealth Building.
Bring Us the Opportunity Early. We’ll Help You Understand What the Deal Needs, What the Program Supports, and What to Prepare Next.
How It Works
From First Conversation
to Funded Deal.
01
Get in Touch
Tell Us What You’re Buying, Building, or Holding and Where You Want the Project to Go.
02
Submit Your Deal
Share the Property, Borrower, Budget, and Exit Details so We Can Underwrite the Full Picture.
03
We Fund
Move Forward with a Clear Capital Plan and a Lending Partner Who Understands the Work.
Your Next Move Starts Here