Rates from 7%Rental property loans for real estate investors
Add to your investment strategy with a rental property.
All about our rental property loans
- No personal income or tax return verification
- No-fee alternative valuation and rent schedule for select properties
- Up to 80% LTV on purchases and 75% on cash-out refinances
- Loans from $300K to $10MM
- Foreign nationals welcome from select countries (70% LTV maximum)
- Interest-only payments available on 30-year terms
- Minimum 640 FICO
Ways to use a rental property loan
Purchase
Buy a rental or investment property with up to 80% LTV, qualified on the property's rent rather than your personal income.
Cash-out refinance
Pull equity out of a property you own, up to 75% LTV, to fund repairs, reserves, or your next purchase.
Rate-and-term refinance
Replace an existing loan to change the rate or term, or move off a short-term bridge or rehab loan into 30-year financing, without taking cash out.
Rental property second mortgage
Borrow against a property's equity while keeping the existing first mortgage and its rate in place. Second-lien terms vary by lender; we shop the options for you.
How a rental property loan can work for you
- Each rental property is underwritten like an independent business, on its own income rather than your other investments or personal financial history.
- Refinance or pull cash out of a property you own to fund your next purchase.
- Own two or more rentals? Bundle them into a single rental portfolio loan.
Rental Property Loan program details
| Loan purpose | Purchase, rate-and-term refinance, limited or complete cash-out refinance, or second mortgage3 |
|---|---|
| Borrower | Individual or entity |
| Properties per loan | 1 (bundle 2+ with a rental portfolio loan) |
| Interest rate | As low as 7%1 |
| Term | 30-year fixed; interest-only payments available |
| Experience | Not available to first-time homebuyers |
| Minimum credit score | 640 |
| Maximum loan-to-value | 80% on purchase, 75% on cash-out4 |
| Loan amount | $300K to $10MM |
| Vacant properties | Maximum 60% LTV |
| Seasoning | 180 days |
| Rural properties | Not eligible |
| Foreign nationals | Select countries; maximum 70% LTV |
| Property types | Single-family homes, 2–4 unit properties, condos, townhomes |
| Income verification | No personal income or tax return verification |
| Valuation | No-fee alternative valuation and rent schedule for select properties |
How it works
- Request a quote.Tell us about the property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers.We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund.We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about rental property loans
Do I need to show personal income or tax returns?
No. Rental property loans qualify on the property's rental income compared with its monthly payment, not on your personal income or tax returns.
What credit score do I need?
Programs typically start at a 640 FICO score.
Can foreign nationals qualify?
Yes, borrowers from select countries can qualify, with a maximum of 70% loan-to-value.
Do I need investing experience?
These loans are not available to first-time homebuyers. Beyond that, experience requirements vary by lender.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges 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.
Find out what B-Line can do for you
Compare offersFrom up to 3 lendersGet a quote for a loan program that’s tailored to your needs
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Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital
Michael Schatz 
Founder & Chief Lending Strategist, B-Line Capital
Michael Schatz leads B-Line Capital, a private money brokerage that helps real estate investors, builders, and developers finance rental, bridge, fix & flip, construction, and commercial bridge loans by comparing offers from private lenders, family offices, and commercial capital sources.
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 Loans
- DSCR Loans
- Investment Property Loans
- Bridge Loans
- Fix & Flip Loans
- Construction Loans
- Commercial Bridge Loans
- Debt Placement & Capital Structuring
- Structured Data Strategy
- AI Visibility Optimization