Rental Investment Loan Program

A "Rental Investment" loan is a long-term loan used to purchase or refinance property with the intent to hold it for at least 3+ years in order to profit from the cashflow from the property and future appreciation. A Rental Investment loan is a great fit in the following situations:

  1. When the property does not need renovations.
  2. When you are looking to payoff a bridge loan which was used to renovate the property.
  3. When the property is stabilized, leased up, or generating any income.
  4. When you want a long term financing solution on rental investment property.

At Capital Funding Financial, our rental investment loans close quickly...even in as little as 10-14 days at rates starting at 6.25%! Our Rental Investment loans require no personal income verification and very little documentation!

Program Overview

Loan Amount: $75,000 - $1.5 Million
Term Length: 30 years
Max LTV: 85% (Purchase), 75% (Refinance & Cash-out)
Amortization: Interest only
Interest Rate: Starting at 6.25%
Credit Requirement: 650 FICO
Closing Time: 10 - 14 Days
Loan Use: Purchase, Refinance, Cashout
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Pro's About Rental Investment Loans:

  • High Leverage (up to 85% LTV)
  • Quick Closing in 10-14 Days
  • Low Rates Starting at 6.25%
  • Interest-Only Options
  • No Income Documentation
  • Qualify Based on the Property

What Do I Need To Qualify?

  • Simple...If the Monthly Combined Principal, Interest, Taxes, & Insurance is less than the Gross Monthly Rental Income = Approval!
  • Loan Fees and Costs
  • Origination Fee: 1.50% - 2.50% of the loan amount
  • Processing Fee: $495 - $695

Eligible Properties for Rental Investment Loans

Single Family

Single Family is classified as one to four-unit residential use dwellings including condominium, P.U.D., townhomes, duplex’s, triplex’s, and quadplex’s. At Capital Funding Financial, we will lend to real estate investors and entities looking to purchase, refinance, fix & flip, or buy to rent from $75,000+.

Multi Family

Multi-family is a classification of housing where multiple units (5+) for residential use are contained within one or more buildings within one community or complex. At Capital Funding Financial, we will lend to real estate investors looking to purchase or refinance multi-family properties with loan amounts of $250,000+.

Required Documents for Closing

Property
Documents

  • Purchase Contract
  • Payoff Statement (if Refinance)
  • Rent Roll & Leases 

Personal
Documents

  • Loan Application (Download)
  • Track Record (Download)
  • Last 3 Months of Bank Statements
  • Drivers License and/or Passport

Business
Documents

  • Articles of Incorporation
  • Operating Agreement (LLC) or Bylaws (Corp.)
  • EIN Letter

Recently Closed Rental Investment Loan

Capital Funding Financial recently refinanced a luxury single family investment property which was rented out in Atlanta, GA. The refinance allowed the Borrower to cash out 75% of the equity in the property to acquire other rental properties.

  • Loan Amount  of $1,575,000
  • 30 Year Term
  • Refinance - Cash Out
  • Atlanta, GA
  • Closed in 10 Days 
  • Q1 of 2019
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Is a Rental Investment Loan Right For Me?

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Need to close fast? You can count on us!

Benefits of our Rental Investment Loans:

  • Close in 10-14 Days
  • Up to 85% LTV
  • No Income Documentation
  • Rates Starting at 6.25%
  • No Experience Required
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Approval Process

Close in as little as 10 Days! From start to finish in 5 easy steps!
Step
1
Submit Loan Request
Step
2
Upload Documents & Accept LOI
Step
3
BPO/Appraisal/Title Ordered
Step
4
Final Legal Review
Step
5
Closing