Rental Property/DSCR Loan | Oakland, California
Add to your investment strategy with a rental property.
RENTAL PROPERTY LOAN QUICK QUOTE ›
Rental properties can be a great way to enhance your investment portfolio.
Get funded for your next property with our Oakland Rental Property/DSCR Loan option.[1]
We offer both refinance and cash-out equity programs to help
you grow and reach your next goal.
OR, BUNDLE 2+ PROPERTIES (RENTAL PORTFOLIO LOAN) ›

All About Our Oakland Rental Property Loans

  • No personal income or tax verification needed
  • No-fee alternative valuation and rent schedule option available (for select properties[18])
  • Funds up to 80% LTV for purchases and up to 75% cash-out[3]
  • Property loans from $300K to $10MM[13]
  • Single-family rentals of all sizes welcome
  • Foreign nationals welcome (70% LTV max, select countries only)
  • Interest-only payments
  • 30-year property loan terms
  • Minimum 640 FICO

Rental Property/DSCR Loans

LOAN PURPOSE Options include: purchase, limited cash-out, or complete cash-out[3]
BORROWER Individual or group
ACQUISITION MINIMUM 1 rental property per loan
INTEREST RATE[1] Rates as low as 7%
TERM 30-year fixed
EXPERIENCE No first-time homebuyers
MINIMUM CREDIT SCORE 640
MAXIMUM LOAN-TO-VALUE (LTV)[4] 80% on purchase, 75% on cash-out[3]
MINIMUM LOAN AMOUNT $300K-$10MM[13]
VACANCY MAXIMUM Vacancy requires a max LTV of 60%
SEASONING REQUIREMENT 180 days
RURAL PROPERTIES Unqualified
FOREIGN NATIONALS
  • Based on select countries list
  • LTV max is 70%
PROPERTY TYPES
  • Single-family homes
  • 2-4 unit properties
  • Condos
  • Townhomes

How a Oakland, California Rental Property Loan
Can Work for You

  • Each one of your rental properties operates like an independent business. It isn’t affected by your other investments or personal financial history.[1]
  • Each property is evaluated on its own and can leverage benefits accordingly.[9]
  • We will thoughtfully advise and lead you through the entire process, answering all the questions you have along the way.

Oakland,
Rental Property Loan Data

City, State Oakland, California
Population 433,031
Map Coordinates 37.76°N 122.22°W
Median Home Price $807,600
Housing Units Owner Occupied 69,556
Housing Units Renter Occupied 98,857
Hard Money Loan Volume $298,531,571.40
Rental Property Loan Volume $367,193,832.82
Bridge Loan Volume $104,486,049.99
Fix & Flip Loan Volume $226,883,994.26

About Our Oakland,
Rental Property Loans

ABOUT OUR RENTAL PROPERTY LOANS
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