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If you're looking to acquire residential properties or pull equity from your existing investments, our No-Doc Rental Loans are perfectly suited to your needs. For those venturing into the exciting world of short-term rentals – be it AirBNBs, VRBOs, or that idyllic vacation home – we offer terms that are not only flexible but also highly competitive, aimed at enhancing the value of your investment.

Rental Loans

Loan Terms

  • Loan Amounts: $100K - $3M

  • Loan To Value: 

    • ​Up to 90% CLTV For a Purchase

    • 75% LTV For a Refinance or Cash-Out

  • Loan Type: 30-Year Fixed rate, Interest Only Available

  • Property type: 1-4 Unit Investment residential and Short term rental.

  • No Debt Service Coverage Ratio Requirements

  • Buy Down Options for Rate and Prepay penalty

  • Portfolio loans Available

  • No Income or Employment Verification

  • 600 minimum FICO

  • Where we lend, Nationwide except: Nd, SD, NV, AZ, CA, ID, UT

APPLY NOW

Take the next step in your investment journey with a lender committed to your success. Contact us or request a quote today

Why Insource Funding?


 

  • Speed: Experience rapid processing times, with pre-approval possible within an hour of application, ensuring you move quickly in a competitive market.
     

  • Light Documentation: Our No-Doc policy means minimal paperwork. Forget about tax returns, income verification, or extensive bank statements, and focus on what matters—your investments.
     

  • Quick Closings: With the ability to close deals within just 15 days, we eliminate the usual delays, enabling faster turnaround and greater investment agility.

2024 Market Watch: Essential Insights for Real Estate Investors

In 2024, real estate investors are strategically leveraging rental loans to capitalize on unique market opportunities, with a keen eye on areas experiencing unprecedented growth and demand. Our rental loan program is crafted to empower investors, offering swift, flexible financing to quickly seize these opportunities. Here's how our approach aligns with the current market dynamics, making it a prime time for investment:
 

  • Emerging Hotspots: Markets like Austin, Texas, and Nashville, Tennessee, have seen substantial growth in rental demand over the last 12 months, with rent increases outpacing national averages. These cities are prime examples of where strategic investments can yield significant returns.
     

  • Demand Surges: In regions such as the Pacific Northwest and the Southeast, the influx of new residents has led to a pressing need for more rental properties. Cities like Seattle and Atlanta are witnessing a rental market boom, offering lucrative opportunities for investors.
     

  • Market Resilience: Areas with strong job growth, particularly in tech and healthcare sectors, such as San Francisco, California, and Raleigh, North Carolina, continue to show resilience and promise for rental property investors, with both markets experiencing a steady increase in rental prices.
     

By aligning your investment strategy with our rental property loan services, you can tap into these high-potential markets, ensuring your portfolio not only grows but thrives. Our program is designed to navigate the complexities of today’s real estate investment landscape, offering:
 

  • Competitive rates to maximize your returns.

  • A streamlined application process, so you can close deals faster.

  • Expert insights into market trends, helping you make informed decisions.
     

In 2024, the key to expanding your real estate portfolio and enhancing passive income lies in identifying and acting on these emerging market trends. With our tailored rental loans, you're well-equipped to take advantage of the shifting dynamics, positioning your investments for success in the most promising markets.

  • Who do I contact for servicing inquiries?
    For any loan servicing inquiries, please contact : PHH Mortgage Services P.O.BOX 5954 SPRINGFIELD, OH 45501-5954 Tel: 1-800-936-8705
  • What type of Loans are offered by Insource Funding?
    Insource Funding offers short-term bridge financing, fix & flip loans, and 30-Year Fixed-Rate Loans. The rates are determined based on the borrower and the individual property. For more information about our rates and loan options, please Call us at 800-805-3391.
  • What type of documents are required?
    here is a list of the documents we will need. REO Schedule: A list of properties you currently own if any. If a purchase: we will need the sales Contract If a refinance: a payoff quote ( title can order this for you) Lease(s) – (if currently rented) ID:A copy of your Drivers license Insurance: agent contact information It's really that simple. However, depending on the specific circumstances of the borrower and the collateral involved, we may request additional documents and/or materials in certain cases
  • What type of properties can you finance ?
    The following property types are eligible for our rental loans: Single Family Residence (SFR) 2-4 Unit Properties Townhouse Multifamily Condos and apartments Commercial properties
  • Can you get a 30 year loan on an investment property?
    Yes, you can get a 30-year loan for investment residential or commercial properties.
  • Are reserves required the purchase of a rental property?
    We do not require reserves for any of our loan programs although, on a purchase, we may request a bank statement to verify that you have the necessary funds to close.
  • What is a Bridge Loan?
    bridge loans are short-term financing options that are used to "bridge" the gap between the purchase of a property and the long-term financing needed to repay the loan. These loans are typically used for real estate investments, such as fixing and flipping or renovation projects, and are issued for a period of up to 12-24 months.
  • Are bridge loans available for rental properties?
    Yes, bridge loans are available for rental properties. Bridge loans can be beneficial because they provide short-term financing to help real estate investors purchase or refinance properties quickly. This can be especially useful in situations where traditional financing options may not be available or take too long to secure. With a bridge loan, investors can bridge the gap between the purchase of a new property and the sale of an existing property, allowing them to take advantage of investment opportunities that may not be available otherwise..
  • Can I get an investment property loan in an LLC?
    Yes, it is possible to get an investment property loan in an LLC. Insource Funding offers loans to LLCs and other corporate entities for the purpose of acquiring, refinancing, or improving investment properties. As a borrower, you may choose to use an LLC to protect your personal assets and limit liability in case of legal issues related to the investment property. By working with Insource Funding, you can access flexible and competitive financing options for your real estate investment needs, even if you choose to invest through an LLC.
  • How many investment properties can I own?
    The number of investment properties you can own is not limited by Insource Funding. However, there may be other factors such as your financial situation and ability to manage multiple properties that could impact how many you can own. It is always best to consult with a financial advisor to determine what is best for your unique situation.
  • Is it possible to buy an investment property with a 10% down payment?
    Yes, at Insource Funding, you can finance your investment property with just 10% down through our Bridge or Rental Loan program which allows up to 90% CLTV. This means you have the opportunity to secure your investment property with a low down payment and have more capital to put towards other investments or expenses. Call us for more details 800-805--3391
  • How hard is it to refinance a rental property?
    With Insource Funding, refinancing your rental property has never been easier. Our flexible loan options range from $150,000 to $3,000,000, and boast loan-to-value ratios of 75-80%, making it simple to find a solution that works for you.
  • What are the upfront fees and costs?
    Insource Funding doesn’t charge any upfront fees during the application / pre-approval process. the only fee the borrower is required to pay is the appraisal fee.
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