Long-Term Rental Loans for Investors
Build Wealth with Long-Term Rental Financing
Lewis Investment Group’s Long-Term Rental Loan Program empowers real estate investors to acquire and hold non-owner-occupied properties for steady rental income. Our Debt Service Coverage Ratio (DSCR) loans focus on property cash flow, not personal income, offering funding in 14-21 days, rates starting at 5.75%, and up to 80% loan-to-value (LTV). Compared to Cogo Capital, we provide lower rates, higher leverage, and personalized support to help you grow your rental portfolio. Apply now to secure financing for your next investment property.
Long-Term Rental Loan Details and Eligibility
Loan Amounts: $100,000 to $10,000,000.
Interest Rates: Starting at 5.75% for fully amortized loans; interest-only options available.
LTV: Up to 80% of as-is value; cash-out refinance up to 75%.
DSCR: Minimum 0.75 (e.g., property rental income must cover 75% of mortgage payment).
Terms: 30-year fixed, 40-year amortization, or hybrid ARMs (5/1, 7/1, 10/1).
Eligibility: Minimum FICO score of 660, no personal income verification, focus on property cash flow.
Property Types: Non-owner-occupied single-family homes, condos, townhomes, 2-4 unit properties, multi-family (5-9 units).
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
how it works
Partnering in Your Real Estate Success
Consultation
Discuss your needs and financial goals with our experts.
Application
Complete a simple application to start the financing process.
Closing
Finalize your mortgage and receive the keys to your new home!
Get Started with Your Long-Term Rental Loan Today
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Long-Term Rental Loan FAQs
What Are Long-Term Rental Loans?
Long-term rental loans are financing solutions for investors to purchase or refinance non-owner-occupied properties, such as single-family homes, condos, or multi-family units, for long-term rental income. Unlike traditional mortgages, our DSCR loans qualify based on the property’s rental income, requiring a minimum DSCR of 0.75. Lewis Investment Group offers loans from $100,000 to $10,000,000 with 30-year fixed terms, 40-year amortization options, and no personal income verification. Our loans are ideal for building wealth through real estate without the hassle of tax returns or strict credit requirements.
Why Choose Lewis Investment Group for Long-Term Rental Loans?
Competitive Rates: Starting at 5.75%, maximizing your cash flow.
High Leverage: Up to 80% LTV and 100% rehab financing for qualified properties.
Flexible Terms: 30-year fixed, 40-year amortization, or hybrid ARMs (5/1, 7/1, 10/1) to suit your strategy.
Fast Closings: Fund in 14-21 days, faster than traditional lenders’ 30-60 days.
Expert Support: Dedicated loan officers provide tailored guidance.
Grow your rental empire with our investor-friendly financing.
How Our Long-Term Rental Loan Process Works
Apply Online: Submit property details and rental income projections via our secure form.
Pre-Approval: Receive a pre-approval letter within 48 hours.
Underwriting: Provide appraisal, title insurance, and lease agreements (if applicable).
Close & Fund: Finalize and fund in 14-21 days, with no seasoning requirements for cash-out refinances.
Our team streamlines the process to keep your investments moving forward.
What is a DSCR loan for rental properties?
A DSCR loan qualifies based on the property’s rental income divided by its mortgage payment, requiring a minimum ratio (e.g., 0.75), not personal income.
Who qualifies for a long-term rental loan?
Investors with a minimum FICO score of 660 and non-owner-occupied properties generating sufficient rental income are eligible.
What properties are eligible?
Non-owner-occupied single-family homes, condos, townhomes, 2-4 unit properties, and multi-family buildings (5-9 units) with as-is value of $100,000 or more.
Thank you for choosing us. We are dedicated to helping you achieve your homeownership goals with personalized service and expert guidance. For more information or assistance, feel free to reach out to us anytime!
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