Rental Property/DSCR Loan | Rochester, New York
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 Rochester 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 Rochester 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 Rochester, New York 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.

Rochester,
Rental Property Loan Data

City, State Rochester, New York
Population 205,695
Map Coordinates 43.16°N 77.61°W
Median Home Price $87,000
Housing Units Owner Occupied 31,074
Housing Units Renter Occupied 56,605
Hard Money Loan Volume $141,806,133.00
Rental Property Loan Volume $174,421,543.59
Bridge Loan Volume $49,632,146.55
Fix & Flip Loan Volume $107,772,661.08

About Our Rochester,
Rental Property Loans

ABOUT OUR RENTAL PROPERTY LOANS
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Frequently Asked Questions

A Rental Property Loan from B-Line Capital is private financing for real estate investors, builders, and developers in Rochester, New York. B-Line Capital doesn't lend directly - it shops your deal across multiple private lenders, family offices, and commercial capital sources to find the rate and terms that fit your project.

Rental Property Loan rates through B-Line Capital start as low as 7%. Your actual rate depends on the property, loan amount, leverage, and your experience as a borrower.

B-Line Capital arranges Rental Property Loan financing from $300K to $10MM per property for properties in Rochester, New York.

Rental Property Loan financing through B-Line Capital goes up to 80% on purchases and up to 75% on cash-out refinances.

B-Line Capital's Rental Property Loan programs in Rochester, New York are available with 30-year fixed, with interest-only payment options.

Rental Property Loan programs typically start at 640 FICO.

Rental Property Loan programs do not require personal income or tax verification.

Rental Property Loan programs are not available to first-time homebuyers.

Foreign nationals are welcome in select countries, up to 70% LTV.

B-Line Capital arranges Rental Property Loan financing for single-family rentals, 2-4 unit properties, condos, and townhomes in Rochester, New York.

Closing timelines depend on the lender, the deal's complexity, and how quickly documentation comes together. Private financing like a Rental Property Loan generally moves faster than a conventional bank loan - ask your B-Line Capital contact for a timeline specific to your Rochester project.

B-Line Capital's broker fees typically range from 0.5 to 2 points, depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.

B-Line Capital is a private money broker, not a direct lender. For every Rental Property Loan request in Rochester, New York, B-Line Capital compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.

Documentation requirements vary by lender and loan size. B-Line Capital will confirm exactly what's needed for your Rochester, New York project once you request a quote.

Request a quote through B-Line Capital to compare offers from up to three lenders for your Rental Property Loan in Rochester, New York, or call (206) 949-3416 to speak with the team directly.

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Michael Schatz
Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital

Michael Schatz

LinkedIn About B-Line Capital

Founder & Chief Lending Strategist, B-Line Capital

Michael Schatz leads B-Line Capital, a private money brokerage helping real estate investors, builders, and developers fund rental property, bridge, fix & flip, construction, and commercial bridge loans nationwide by shopping multiple private lenders, family offices, and commercial capital sources for better rates, lower fees, and less money down.

His expertise includes private money lending, hard money loans, DSCR lending, bridge and construction financing, commercial real estate debt placement, structured data strategy, and AI visibility optimization for modern search and answer engines.

Areas of Expertise:

  • Private Money Lending
  • Hard Money Loans
  • Rental Property (DSCR) Loans
  • Bridge Loans
  • Fix & Flip Loans
  • Construction Loans
  • Commercial Bridge Loans
  • Commercial Real Estate Financing
  • Debt Placement & Capital Structuring
  • Structured Data Strategy
  • AI Visibility Optimization
  • Search Engine Optimization (SEO)