Rental Property Loans
Build Wealth, Secure Your Future
Investing in single-family rental properties is a proven strategy for generating long-term cash flow and building wealth. Our Long-Term Rental Loans are designed to support your goals with favorable terms and dedicated support.
Grow your real estate investment portfolio with confidence, backed by the expertise and financing solutions you gain when partnering with an experienced private lender like Residential Capital Partners.
- Competitive Rates: Attractive interest rates to maximize your rental income.
- Flexible Terms: Rental loan options designed to meet your long-term real estate investment plans.
- Dedicated Support: Expert advice to help you select and manage profitable rental properties that align with your goals.
Investment Property Loans vs. Home Mortgages
Buying an investment property with a conventional loan is, in some ways, similar to financing your primary residence. The documentation is the same – credit check, paycheck stubs, tax returns, bank statements, W2s and 1099s, for example.
But there are some important differences, too. You will need a higher credit score, interest rates may be a touch higher, your down payment may be larger, and approval may take a little longer. The reason is risk: There is more risk for all parties in long-term investment property loans than for home mortgages associated with a primary residence.
Borrowers must be prepared to cover the loan payments whether the house is rented or not. Lenders have the added risk of a borrower being forced to choose between paying the mortgage on their rental property or their primary residence if they get in a financial bind. Most borrowers will choose to make their primary residence payment and keep the roof over their head.
These differences often surprise first-time rental property buyers. Thorough research helps people seeking investment property loans understand the demands of the investment property loan underwriting process.
At Residential Capital Partners, we’re more than just a private money lender—we’re a true partner in your real estate investing journey. Your success is our success, which is why we go beyond funding to provide honest insights, expert guidance, and a lending process designed for investors like you. If a deal doesn’t align with your goals, we’ll tell you—because real partnership means looking out for your best interests, not just closing a loan.