Our Rental Property Loans are designed specifically for buy-and-hold real estate investors looking to build or expand their portfolio of income-producing properties. With competitive rates, flexible terms, and investor-friendly features, we provide the long-term financing you need to achieve sustainable growth and passive income.
Whether you’re acquiring your first rental property or adding to an established portfolio, 411 Capital Lender offers loan products tailored to your investment strategy. Our focus on property cash flow rather than borrower income makes it easier to qualify and scale your real estate investments.
Our flagship DSCR (Debt Service Coverage Ratio) No Ratio loan program provides more opportunities for investors by focusing on property performance rather than personal income verification.
Benefits of our Rental Property financing
Access your property's equity for renovations, additional investments, or other business needs with our cash-out refinance options.
Hold properties in LLCs or other legal entities for better asset protection and tax planning flexibility.
Interest rates starting at 5.99% with options tailored to different investor profiles and property types.
Qualify based on property performance and rental income rather than traditional income verification requirements.
Finance multiple properties with a single loan application process, making scaling your portfolio more efficient.
Loan terms of 5, 10, or 30 years with fixed rates provide predictable payments and long-term financial planning.
What you need to qualify for our Rental Property loans
Minimum credit score of 700 for DSCR loans, 680 for standard loans. For DSCR loans, no income verification is required. For standard loans, documented income and employment history are needed.
Single-family homes, 2-4 unit properties, condos, townhouses, and small multi-family properties. Properties must be in rentable condition in residential areas with strong rental markets.
For DSCR loans, properties typically need to demonstrate a minimum DSCR of 1.0, meaning the monthly rental income covers at least 100% of the monthly loan payment.
Purchase contract or property details, rental income documentation or market rental estimates, entity documentation if using an LLC, and basic personal information.
We lend in all 50 states, with particularly strong programs in growing markets and metropolitan areas. Some location-specific considerations may apply for loan terms and LTV ratios.
How to secure your Rental Property financing
Complete our online application with details about yourself and the property you wish to finance.
We assess the property's value, rental potential, and market conditions to structure your loan.
Receive your loan approval with detailed terms, typically within 3-5 business days for most rental loans.
Sign your loan documents and complete the funding process, often within 2-3 weeks from initial application.
Start expanding your real estate investments with our tailored rental property financing solutions. Our team of experienced lending specialists is ready to help structure the right loan for your investment goals.
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We’re a direct private lending firm providing fast, reliable financing solutions for real estate investors and developers nationwide.
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