Single Rental Loan

Purchase or refinance a single rental property with our Single Rental Loan

Get Started with Single Rental Loan

Our Single Rental Loan enables investors to purchase their first property or add a new property to their portfolio. Investors use this loan to refinance a property for a better rate, or use equity to take cash out.1

Key Facts About our Single Loan Product

  • Commercial loan underwritten on property cash flow1
  • No personal income verification1
  • Lending directly to individuals or LLC’s
  • No limit to the number of properties you can finance9
Loan Purpose
  • Purchase a single property, or
  • Refinance a single property, with option to take cash-out3
Interest Rate1

6.50 – 9.00%

Minimum Property Value



30-year fixed, full amortization

Borrower Type

LLC or Individual

Maximum Loan-to-Value (LTV)7
  • 80% LTV for Purchase
  • 75% LTV for Refinance
Maximum Loan-to-Cost (LTC), Cost is purchase price amount8

Time Owned : Constraint

  • ≤ 90 days : 80% LTC
  • > 90 days : Full appraised value
When do we use LTV vs LTC?
  • Purchase: Use lesser of LTV or LTC calculation
  • Refinance: Use LTC until property has seasoned for 90 days, then use LTV
Cash Flow Requirement
  • <$150K value: Max 70% Property Debt-to-Income Ratio (PDTI)
  • ≥$150K value: Max 85% PDTI
Rehab/Construction Financing


Property Type

Non-Owner Occupied: Single family residences, 2-4 family units, Condos, and Townhomes

Loan Amount

$75K – $1.5MM15

What Makes the Single Rental Loan Unique?

  • We treat your rental property like your own small business, and we underwrite to the cash flow it will produce, not your personal income.1
  • We don’t limit the number of rental properties you can own, so we give you maximum flexibility.9
  • We provide personalized service throughout the entire loan process – from quote to close.
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