Long-term rental
Long-term financing for rental properties you plan to keep.
Finance a single rental or an entire portfolio, qualified on the rent the properties produce rather than your personal income. Built for landlords, vacation-rental owners, and portfolio investors.
Rental loan terms at a glance
Best For
Built for investors holding rental properties for the long term.
Renovating to sell or building from the ground up? See our Fix & Flip or Construction programs.
- Landlords buying a rental where the rent covers the payment
- Portfolio investors financing multiple rental properties
- Vacation-rental owners financing an income property
- Investors refinancing rentals they plan to keep
Key Details
What matters before you apply.
We size your loan on the property's rental income, so the rent needs to cover the payment.
Rates and options
Rates start at 6.25%, with fixed-rate, interest-only, or adjustable options depending on the loan.
Check your numbers
Use our DSCR calculator to see whether the rent covers the payment before you apply.
Single rentals or portfolios
Finance one property or an entire rental portfolio of SFR, 2–4 unit, condo, and PUD properties, with individual and entity borrowers both welcome.
Before You Apply
Have these ready.
We look at whether the property's rent covers the payment, so the property's numbers matter most.
- Monthly rent, taxes, insurance, and HOA dues
- Whether you're buying, refinancing, or taking cash out
- Property address and type
Ready to finance your rental?
Start your application, or talk to us first if you have questions.