Single Rental Loans

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

Get Started with Single Rental Loan

Our Single Rental Loan1 enables investors to purchase a new property to expand their rental portfolio. Investors use this loan to refinance a property for a better rate, or take cash out to access equity.

Or, bundle 2+ properties (Portfolio Loan)

Key Facts About Our Single Rental Loan

  • No W2s, paystubs, tax returns, etc.
  • Funding up to 75% LTV, up to 70% cash-out3
  • Property loans from $75K to $1MM
  • Single Family Rental (SFR), condos, townhomes, PUD, 2-4 units eligible
  • Foreign Nationals allowed (60% LTV max, eligible countries only)
  • Interest-only payments
  • 30-year property loan terms
  • Minimum 680 FICO
Single Rental Loan
Loan Purpose
Purchase, limited cash-out, or cash-out of a single rental property 3
Borrower Type
Entity (Single Purpose Entity) or Individual
Property or Unit Acquisition Minimum
1 property per loan
Interest Rate 1
Call for quote
Term
30-year fixed
Experience
No first time homebuyers
Minimum FICO
680
Maximum Loan-to-Value (LTV)4
Up to 75% on purchase, and 70% on cash-out3
Minimum Loan Amount
$75K - $1MM
Vacancy Maximum
Any vacancy requires a max LTV of 60% on refinance
Seasoning Requirement (to Use Value vs. Cost Basis)
180 days
Rural Properties
Ineligible
Foreign Nationals
  • Not allowed from ineligible country list
  • LTV is limited to 60%
Property TypeNon-Owner Occupied:
  • Single Family Residences (SFR)
  • 2-4 unit properties
  • Condos
  • Townhomes

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.
Learn More | View PDF
All fields required.
Get Started

  • By submitting your phone number, you expressly consent to authorize Finance of America Commercial to contact you at the number you provide with information about our loan products and to continue your application. Calls may be made using automated dialing and other phone technology. You do not need to consent to receive calls as a condition of receiving services from us. Please call us at 800.227.8107 if you do not wish to submit this form. By completing this form, you agree to receive offers, promotions and other email messages from Finance of America Commercial. You may unsubscribe at any time.