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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 portfolio with confidence, backed by the expertise and financing solutions of Residential Capital Partners.
  • Competitive Rates: Attractive interest rates to maximize your rental income.
  • Flexible Terms: Loan options designed to meet your long-term investment plans.
  • Dedicated Support: Expert advice to help you select and manage profitable rental properties.

Long-Term Rental Loans

Residential Capital Partners long-term rental loans include the following features:

  • Single-family residences
  • 2 – 4-unit family residential properties
  • Townhomes and condominiums
  • $50,000 – $5,000,000
  • LTVs up to 75% for cash-out refi loans
  • LTVs up to 80% for purchase / rate & term loans
  • Interest rates starting at 6.625%
  • Origination & Processing: $1,310
  • Doc Prep: $995
  • 5/1 ARM, 7/1 ARM and 30-year fixed rates (fully amortizing) available
  • Prepayment penalties may apply
  • Loans to business entities and individuals

Apply for credit today so when an opportunity develops you will be ready to move fast!

Apply for Credit – Receive Proof of Funds Letter

Apply for credit today so you will be ready to act when you find a good investment opportunity. It takes only 14 minutes to apply online and receive a Proof of Funds letter in about two days.

Make Residential Capital Partners your funding partner for all your real estate investments. Our technology platform makes it quick and easy to apply and our Administration and Underwriting Team deliver fast results to save you precious time when you need it most.

Apply Now

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.

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