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Residential rental property

Our No-Doc Rental Property Loans, perfect for long-term buy-and-hold strategies and short-term rentals like Airbnb and VRBO. Offering competitive rates and flexible terms, these investment property loans, which do not require a DSCR, are ideal for acquiring new properties or leveraging existing ones to grow your portfolio

Investment Property Loans

No-doc Rental Loans
Capote closing a rental property loan, Insource, Funding

Flexible Loan Terms for Investment Property Financing

  • Loan Amounts: $150K - $3M

  • Loan to Value (LTV):

    • Up to 90% CLTV for Purchases

    • 75% LTV for Refinances or Cash-Out

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

  • Property Type: 1-4 Unit Investment Residential and Short-Term Rentals

  • No Debt Service Coverage Ratio Requirements

  • Rate and Prepay Penalty Buy Down Options

  • Portfolio Loans Available

  • No Income or Employment Verification

  • Nationwide Lending (excluding ND, SD, NV, AZ, CA, ID, UT)

Eligible Property Types for Financing

  • Single-Family Rentals.

  • Condominiums.

  • Planned Unit Developments (P.U.D.s).

  • Townhomes.

  • Duplexes.

  • Triplexes.

  • Quadplexes.

Residential neighborhood Insource Funding

 Application Process, We Make
Getting Your New Loan Simple.

Quick Inquiry

Share the details of your project below, and we will promptly evaluate if we can assist you

Prompt Approval

If it's a match, complete a two-minute online application.Review and sign the terms we send over.

Prepare for Closing

Step through the final phase of your loan process with ease, We'll  collect closing documents and schedule the closing date.





Get started today with our hassle-free application process

The rental property market is currently experiencing significant growth due to rising home prices and a shift towards renting. Cities such as Austin, TX, and Nashville, TN are prime examples of high-demand locations. For investors looking to maximize returns, targeting properties in these areas is essential. Utilizing no-doc rental property loans can further boost ROI.

To research rental demand, you can use resources such as:

  • Zillow Rental Market Reports: Provides data on rental prices and trends across different markets.

  • U.S. Census Bureau: Offers demographic and housing data.

  • Local Real Estate Associations: Often publish reports and insights on regional markets.

  • and Redfin: Provide localized market trends and rental statistics.

Rental Tips:

  • What type of Rental Property Loans Do You Offer?
    We offer No-Doc Rental Property Loans designed for investors looking to purchase or refinance income-producing properties like single-family rentals, duplexes, triplexes, and quadplexes
  • What type of documents are required?
    Below is a typical list of documents needed to close a loan with Insource Funding, 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
  • 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.
  • 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?
    es, Insource Funding provides investment property loans to LLCs and other corporate entities. Using an LLC can protect your personal assets and limit liability. Our loans offer flexible and competitive financing options for acquiring, refinancing, or improving investment properties.
  • 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 programs, offering up to 90% CLTV. This allows you to secure your property with a low down payment, leaving you with more capital for 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.
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