Rental Property Loans
We Underwrite the Property, Not the Income
Investors need financing they can count on. We review deals quickly, communicate clearly, and make sure you know where you stand at every step-so you can move on your next rental with confidence.
Want to See Your Financing Options?
Tell us about the property. We'll let you know if it works and explain the available financing. No runaround.
What Is a Rental Property Loan—and Why Investors Use Ours?
A rental property loan is long-term financing built for investors holding 1–4 unit residential properties as rentals. Most lenders underwrite the rent. We underwrite the asset. That means no tax returns, no W-2s, NO DSCR required calculations — just property value, equity, and your track record.
30-year fixed terms, up to 90% CLTV with seller seconds, close in your LLC or trust, and close in 8–13 days. Buy, refinance, or pull cash out — without the income-doc gauntlet traditional lenders put you through.
Why Choose Insource Funding for Rental Property Loans?
We're direct private lenders focused on what matters: property value and your investment strategy. No red tape, NO DSCR required headaches.
NO DSCR required Requirements
Traditional lenders demand debt service coverage ratios—we don't
We focus on property value and your experience, not complex DSCR calculations. No income verification, no tax returns, no employment docs. If the property makes sense, we make it happen.
Close in 8–13 Business Days
Fast financing when you need to move quickly on rental opportunities
Time-sensitive deal? We move fast. Our streamlined process gets you from application to closing in under two weeks. No waiting around while other investors snag the best properties.
Built for Portfolio Growth
Close in your LLC or trust with up to 75% LTV
First rental or your tenth—we structure loans for real estate investors. 30-year fixed terms with flexible options, the ability to scale your portfolio, and close in your business entity.
Direct Access
One-on-one service with decision makers who understand your investment goals
The Approval Process
From application to closing in 8–13 business days. Here's what to expect.
Submit your property & entity info
Provide your property details and entity structure (no income docs required).
Receive your term sheet within 1 hour
Get your personalized term sheet with deal terms tailored to your scenario.
We complete underwriting and title
Our team handles underwriting and title coordination—with investor terms built in.
📄 Documents We'll Need
For rental property loans, we don't require income docs or DSCR calculations. Just the property address, purchase price or estimated value, and basic entity docs if using an LLC or trust.
Real Rental Property Success Stories
These are real rental loans closed with 30-year fixed terms, no income verification, and lightning-fast closings for serious investors.
Staten Island, NY
$900KCash-Out Refinance
30-Year Fixed - Closed in 14 Days
Long Island, NY
$1.2MSingle-Family Investment
No Income Docs - Closed in 13 Days
Macon, GA
$425KSingle-Family Purchase
30-Year Fixed - Fast Closing
Common Ways Investors Use This Loan
Long‑Term Buy & Hold
Lock in a 30‑year fixed rental property loan and secure monthly cash‑flow while you build equity.
Portfolio Expansion
Refinance an existing rental, extract equity and redeploy into your next property.
Stabilizing Under‑Rented Assets
Acquire a rental at below‑market rent, reposition it and hold long term using the same investor‑friendly loan structure.
Need short-term financing for quick flips or repositioning? View our Bridge Loan Program.
Why Insource Funding
Direct Private Lender Since 2001
Explore More Financing Solutions
We offer specialized loan programs for every type of investment property
Popular markets for rental property investors:
Rental Property Loan FAQ
Common questions about our long-term rental property financing solutions
Let's Get Your Rental Property Financed
Ready to lock in a 30-year fixed rate for your next rental? We make it simple—NO DSCR required, no income docs, and we close in 8–13 business days. Let's talk about your property and get you a term sheet.