Rental Loans

30 Year Fixed. Competitive Rates. Fast Closings. 3/1, 5/1 and 7/1 Year ARMs are also available.

RentalOne: 30-Year Fixed-Rate Rental Loans starting at 5.49%* and 5, 7, and 10 Year ARMs starting at 4.99%*

Closings in Weeks Instead of Months

Let us help you grow your rental portfolio, apply now or schedule a call today. 

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Our RentalOne loan product provides our customers a reliable source of financing through a simple and efficient online loan process. Our 30-year fixed-rate rental loan product was designed to help savvy investors capitalize on the rapidly growing rental market. With attractive rates and up to 80% loan-to-value (LTV) on fixed-rate loans, these loans are a great way to get cash out from your existing rental properties.  RentalOne loans begin at $75K and up to $2 million with no personal income verification. *

Get Cash From Your Existing Rental Portfolio

RentalOne asset-based loans can provide the cash you need to grow your rental portfolio.  Benefits include:

  • Get cash from rental properties – loans from $75K to $2 million.
  • Lower your blended rate – consolidate higher-rate loans into single mortgage
  • No personal income verification – lending decision based on property cash flow*
  • No hurdles – flexible loan options designed for your buy and hold strategy

Advantages of RentalOne Loans:

  • Cash out refinances
  • Based on Property Lease – No personal income verification – no W-2 required
  • Minimum seasoning requirements*
  • 640 min. FICO
  • No hurdles- a very user-friendly and streamlined process
  • Prepayment penalty


What type of rental loan rates are offered by LendingOne?

LendingOne offers both fixed a 30-year rate starting at 5.49% and hybrid adjustable rate mortgage, 5/1, 7/1, and 10/1 starting at 4.99%. All rates are based on individual property and borrower.  Call us to learn more.

What type of properties are eligible for rental loans offered by LendingOne?

The following property types are eligible for our rental loans:

  • Single Family Residence (SFR)
  • 2-4 Unit Properties
  • Warrantable condos must meet Fannie Mae warrantability requirements (LTV cannot exceed 70%)
  • Townhouse
  • 2 acres maximum
  • Non-warrantable condominiums not allowed

What is the minimum and maximum loan amounts for rental loans offered by LendingOne?

LendingOne rental loans have a minimum loan amount of $75K and a maximum loan amount up to $2M.

What states does LendingOne offer its rental loan products?

LendingOne provides lending in all States and District of Columbia except Alaska, Nevada, North Dakota, South Dakota, and Utah.

What is the minimum FICO score for LendingOne's rental loans?

LendingOne’s rental loan FICO score minimum is 640.  is required for all personal guarantors and determined as follows:

What type of documentation is required for LendingOne's rental loans?

LendingOne requires the following documentation from borrowers interested in our rental loans:

  • LendingOne’s online application, completed by borrower
  • 1-month bank statement
  • A list of properties you currently own (a REO Schedule)
  • No Tax Returns Required
  • Lease(s) – (if currently rented)
  • Sales Contract (on purchase)
  • LLC Operating Agreement or Articles of Corporations
  • Driver’s License

Other documents and/or materials may be requested based on the individual borrower’s circumstances and collateral.

Who is eligible for our rental loans?

Our rental loans are available to the following borrowers:

  • U.S. Citizens
  • Permanent Resident Aliens
  • Non-permanent Resident Aliens
  • LLCs, Limited Partnerships, General Partnerships, Corporations

What is Debt Service Coverage Ratio?

Debt Service Coverage Ratio (DSCR) is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations.

DSCR is calculated by the following simple formula:

DSCR = Monthly Gross Income

*Principal, Interest, Taxes, Insurance and Association Fees. 

What are the cash out eligibility and restrictions?

The seasoning resquirements:

  • 3-month seasoning from your purchase date
  • Delayed Financing are permitted

Does my rental property have to be leased before closing?

The following are the lease requirements:

  • A lease with no less than 3 months remaining at time of close
  • For Unleased properties we can use the market rent from the appraisal

Can I live in one of my rental properties or rent it to a family member?

No.  LendingOne provides commercial only loans that are non-owner occupied (investment) properties.

Is there a prepayment penalty?

Prepayment penalty conditions are as follow:

  • Term: 3 Years
  • 3, 2, 1 step-down prepayment penalty
    (3% of loan balance in first year, 2% of loan balance in second year, 1% of loan balance in third year)

Please review our FAQs to get more details about our lending parameters. 

*  Our loans are subject to business and investor credit approval, geographic, appraisal and other underwriting requirements. 

hk    Reliable Financing.  Fast Closings. No Income

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