Modern single-family rental investment property exterior at golden hour
Insource Funding
Rental Property Financing

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.

Loan Amounts: $100K to $5M
Terms: 30-year fixed rates
Up to 75% LTV (70% for loans > $1M)
Up to 90% CLTV with seller carry
No income verification required
No minimum credit score (premium pricing for 700+)
Property Types: 1-4 unit, condos, townhomes
Get Rental Loan Terms

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.

Secure · No obligation · 1-hour response during business hours
Understanding Rental Property Financing

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.

Insource Funding loan officer meeting with real estate investors - personalized one-on-one service with decision makers

Direct Access

One-on-one service with decision makers who understand your investment goals

Our Process

The Approval Process

From application to closing in 8–13 business days. Here's what to expect.

1
1

Submit your property & entity info

5 Minutes

Provide your property details and entity structure (no income docs required).

2
2

Receive your term sheet within 1 hour

1 Hour

Get your personalized term sheet with deal terms tailored to your scenario.

3
3

We complete underwriting and title

8–13 Days

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.

Where We Lend

AL, AR, CA, CO, CT, DC, DE, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MA, MD, ME, MI, MO, MS, MT, NC, NE, NH, NJ, NM, NY, OH, OK, OR, PA, RI, SC, TN, TX, UT, VA, WA, WI, WV and WY
Blank US states mapAlaskaHawaiiAlabamaArkansasArizonaCaliforniaColoradoConnecticutDelawareFloridaGeorgiaIowaIdahoIllinoisIndianaKansasKentuckyLouisianaMassachusettsMarylandMaineMichiganMinnesotaMissouriMississippiMontanaNorth CarolinaNorth DakotaNebraskaNew HampshireNew JerseyNew MexicoNevadaNew YorkOhioOklahomaOregonPennsylvaniaRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahVirginiaVermontWisconsinWest VirginiaWyoming
Recently Closed Deals

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.

Rental property investment in Staten Island, NY

Staten Island, NY

$900K

Cash-Out Refinance

30-Year Fixed - Closed in 14 Days

Rental property investment in Long Island, NY

Long Island, NY

$1.2M

Single-Family Investment

No Income Docs - Closed in 13 Days

Rental property investment in Macon, GA

Macon, GA

$425K

Single-Family Purchase

30-Year Fixed - Fast Closing

Use Cases

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

Over $1 Billion
Financed
6,000+
Investor Loans Closed
43 states + DC
Licensed Nationwide
(800) 805-3391
Direct Line

Rental Property Loan FAQ

Common questions about our long-term rental property financing solutions

Long-Term Rental Financing, Nationwide

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.

Since 2001 • Over $1B Financed • Direct Private Lender