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.
Which business is ideal for this type of small business financing?
Rental loans are ideal for real estate investors looking to acquire, refinance, or expand their rental property holdings. Investors who generate passive income through single-family homes, townhouses, or small multifamily units can benefit from these loans to secure long-term financing. Landlords who want to refinance existing properties for better terms or access equity for future investments also find rental loans a valuable tool for growing their portfolios. These loans are particularly beneficial for those who prioritize cash flow and long-term appreciation over short-term property flips.
Advantages
One of the main advantages of rental loans is that they offer long-term financing with fixed or adjustable interest rates, helping investors maintain predictable costs.
These loans also focus on the rental income potential of the property rather than personal income, making them more accessible for investors with multiple properties.
Rental loans provide the opportunity to refinance existing properties, unlocking equity that can be reinvested into additional rental acquisitions.
Disadvantages
A key disadvantage of rental loans is that they may require larger down payments compared to traditional home mortgages, which can be a barrier for some investors.
These loans also have stricter underwriting criteria, with lenders evaluating the property’s rental income potential, occupancy rates, and market conditions.
Fluctuations in rental markets can impact cash flow, potentially affecting an investor’s ability to cover loan payments and maintenance costs.
Our 3 Step Process
Prequalify Online
To get prequalified, follow the "Apply Now" button and submit some basic business information.
Get Approved
After your submission has been processed by the underwriting team, we will reach out to discuss the options you qualify for.
Get Funded
Upon approval and accepting the offer, funds are deposited directly into your business bank account so you can use the money immediately.
Qualifying Criteria
Approval for loans from EJN Financial isn’t based on your credit score alone.
We focus on the overall health of your business.
