Rental Property Loans · Long-term and short-term

Rental property loans that qualify on the rent, not your tax returns.

Financing for single-family rentals and 2–4 unit buildings, long-term leases or short-term stays, qualified on the property's income through DSCR. Buy the next one or refinance what you own.

Check My Rental Loan Options

About 60 seconds leftNo hard credit pull

What's your primary goal?

Pick the one that sounds most like you.

Reviewed personally by Arran Amorozo · NMLS #1491497 · West Capital Lending

No credit check to complete this quiz · your info is never sold

60 seconds · no hard credit pull · never sold

  • Qualified on the rent, DSCR-style: no tax returns, W-2s or job verification.
  • Long-term leases and short-term rentals both welcome; market rent can qualify a vacant or just-bought property.
  • 1–4 units: single-family homes, duplexes, triplexes and fourplexes.
  • No title seasoning on a cash-out of $100K or more: refinance as soon as you close or finish the rehab, on what it appraises for today. Under $100K, 6 months on title first.
  • Purchases with 20% down; refinances up to 75% of value with cash out, 80% without.
  • Your credit sets the leverage: 620+ for standard terms; below 620, refinances up to 50% of value and purchases with 50% down.
  • Vest in your own name or your LLC, with no cap on how many rentals you finance.
  • Loans from $75,000 to $3,000,000, in all 35 states + D.C. where Arran is licensed.
  • Investment properties only. Living in one unit of a 2–4 unit building? That loan runs through FHA or Conventional.

Rather just talk? Call or text us at (949) 401-7593

Run the numbers ↓

  • LTR + STR

    Long- and short-term rentals welcome

  • 1–4

    Units, including 2–4 unit buildings

  • LLC

    Vesting OK

  • 0

    Tax returns needed

  • 20%

    Minimum down on purchases

Loan-to-value limits depend on the rent, your credit and the property. Below 620 credit, refinances are capped at 50% of value and purchases need 50% down plus closing costs. All loans subject to credit approval.

Fastest answer: call or text (949) 401-7593 · you reach Arran's team, not a call center

Straight Answers Up Front

Can we fund your deal? Check before you apply.

We'd rather tell you now than waste your time. Here's what we can and can't do, plainly stated.

We can help with:

  • Single-family rentals and 2–4 unit buildings, purchase or refinance
  • Long-term leases and short-term rentals
  • Cash-out with no title seasoning at $100K+, up to 75% of value
  • 620+ credit on standard terms; below 620, refinances up to 50% of value and purchases with 50% down
  • LLC vesting, with no cap on financed properties
  • Loans from $75,000 to $3,000,000

We're not the right fit for:

  • A home you live in, including one unit of a 2–4 unit building (see FHA or Conventional)
  • Rental purchases in North Dakota & South Dakota, or rental loans there at 620+ credit
  • Loans above $3,000,000 or under $75,000
  • Properties outside the 35 states + D.C. where Arran is licensed

If your score improves, come back. We'd genuinely love to take another look. A gray-area scenario? Call or text (949) 401-7593.

Simple Qualifications

One rental or a whole portfolio, the test is the same.

For buy-and-hold investors who want the property to carry the loan.

Good Fit If

You own a rental, or you're adding one.

  • Refinancing a rental or buying the next one
  • The rent covers the payment
  • Single-family or 2–4 units, long-term or short-term
  • Credit at 620+, or below 620 with real equity
Check my options →

What You Skip

The hoops a conventional loan puts investors through.

  • No W-2s, pay stubs or employment checks
  • No debt-to-income math against your personal income
  • No cap on how many rentals you finance
  • No tax returns
Check my options →

Living in one of the units?

Then it is an owner-occupied loan.

A 2–4 unit building you live in runs through FHA (3.5% down at 620+ credit) or Conventional instead of a rental loan, and rent from the other units can help you qualify. The multifamily page walks through both paths.

See the multifamily options →

Calculator

Rental Property Calculator

Will the rent carry the loan? Run a purchase or a refinance before you apply.

1.00 = the rent covers the payment · 1.25+ typically gets the best terms · under 1.00 can still work at a lower loan-to-value

Purchase or refinance

$400K
$100K$5.0M
25%
20%50%
%

Enter the rate you want to model. We don’t advertise rates; your pricing is quoted individually.

%
$2,500
$500$15,000
$
$
$
$

Closing costs (share of the loan)

30-Year Fixed

Enter your 30-year fixed rate above to see this side.

Interest-Only

Enter your interest-only rate above to see this side.

Loan amount$300,000
Loan-to-value75.0%
Down payment$100,000
Est. closing costs$9,000
Est. cash to close$109,000
Cap rate (before vacancy, repairs and management)6.25%
Gross monthly rent$2,500

Below 620 credit: purchases need 50% down, and refinances go up to 50% of value, counting the new loan.

Fills in the quiz at the top of this page. This button sends nothing.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Products

A program for nearly every scenario.

More programs are in the tabs at the top. Need something else? Call or text (949) 401-7593.

Our Process

From first question to funded, in four steps.

No guesswork. No pressure. Just a clear path to the right loan.

  1. 1

    Tell us your scenario

    Answer a few questions online in about 60 seconds, or call or text (949) 401-7593. Seeing your options takes no hard credit pull.

  2. 2

    We shop your options

    We shop your scenario across many lenders and lay out the trade-offs plainly, so you can pick the fit.

  3. 3

    Apply and get approved

    Complete the full application. We tell you up front which documents your program needs, and nothing more.

  4. 4

    Close, and keep us on call

    Sign and fund. When the next purchase, refinance or line of credit comes up, you already know who to call.

Guides

Go deeper before you decide.

Plain-English guides with the same numbers the quiz uses.

No-Seasoning DSCR Loans: Refinance Without the Wait

No title seasoning on DSCR cash-outs of $100,000+: refinance on today's appraised value, up to 75% cash-out or 80% rate-and-term, with a worked BRRRR example.

Read the guide →

DSCR HELOCs and Second Mortgages for Rental Properties

A DSCR HELOC or closed-end DSCR second on a rental: qualified on the rent, up to 75% combined loan-to-value, first mortgage untouched, and when a HELOC fits.

Read the guide →

How to Choose a DSCR Lender: The Terms That Matter

How to compare DSCR lenders: the seven terms that really differ, eight questions to ask before you sign, the red flags, and our own published DSCR box.

Read the guide →

FAQ

Frequently Asked Questions

Common questions about Rental Property Loan loans.

Get Started Today

Straight answers, fast.

Check your Rental options in about 60 seconds with no hard credit pull, or call or text and talk it through with Arran's team.

Call / Text (949) 401-7593Check my options online →

Rather pick a time? Book a call

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.