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Contact Info

  • 601 21st St, Vero Beach, FL 32960
  • (727) 513-6983
  • hello@ejnfinancial.com
  • Sunday: Closed

Rental

Secure long-term rental income with financing designed for real estate investors looking to

Purchase, Refinance, or Expand their Rental Property Portfolios

What is a Rental Property Loan?

A rental loan is a financing option designed for real estate investors who want to purchase or refinance single-family rental properties or portfolios of income-generating homes. Unlike traditional mortgages that focus on the borrower’s personal income, rental loans prioritize the property’s cash flow potential, making them an excellent solution for investors looking to scale their rental business. These loans offer flexible terms, competitive interest rates, and long-term financing options, allowing investors to maximize their returns while maintaining financial stability.

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What is a Rental Property Loan, and how does EJN Financial structure it?
A Rental Property Loan is a financing option designed for real estate investors aiming to purchase or refinance single-family rental properties or portfolios of income-generating homes. Unlike traditional mortgages that emphasize the borrower’s personal income, EJN Financial structures these loans to prioritize the property’s cash flow potential. This approach makes them particularly suitable for investors looking to scale their rental business.
EJN Financial’s Rental Property Loans are ideal for real estate investors seeking to acquire, refinance, or expand their rental property holdings. This includes landlords generating passive income through single-family homes, townhouses, or small multifamily units. Additionally, investors aiming to refinance existing properties for better terms or to access equity for future investments can benefit from these loans.

EJN Financial offers several advantages for Rental Property Loans:

  • Long-Term Financing: Options with fixed or adjustable interest rates help investors maintain predictable costs.

  • Cash Flow Focus: Loans are based on the property’s rental income potential rather than personal income, making them more accessible for investors with multiple properties.

  • Equity Access: Opportunity to refinance existing properties, unlocking equity that can be reinvested into additional rental acquisitions.

While EJN Financial’s Rental Property Loans offer numerous benefits, there are some considerations:

  • Larger Down Payments: Compared to traditional home mortgages, these loans may require more substantial down payments.

  • Stricter Underwriting Criteria: Lenders evaluate the property’s rental income potential, occupancy rates, and market conditions.

  • Market Fluctuations: Changes in rental markets can impact cash flow, potentially affecting an investor’s ability to cover loan payments and maintenance costs.

EJN Financial’s approval process stands out by not relying solely on credit scores. Instead, they focus on the overall health of your business. This approach allows for a more holistic evaluation, potentially making it easier for investors to secure financing even if they don’t meet traditional credit criteria.