Long-Term Rental Property Loans for Investors
Build passive income with 30-year fixed-rate loans for single-family & multi-family rentals. Cash flow immediately with investor-friendly terms.
Long-Term Rental Property Loans for Investors
Build passive income with 30-year fixed-rate loans for single-family & multi-family rentals. Cash flow immediately with investor-friendly terms.
Loan Options
Buy & Hold Loans
Loan Amounts: 100,000–5,000,000
Terms: 30 years (fixed or adjustable)
Rates: 6.5% – 8.5% (based on credit & DSCR)
DSCR Loans (No Tax Returns)
Approval Based On: Property cash flow (1.25x DSCR minimum)
Great For: Self-employed investors or LLCs
Portfolio Loans
Refinance 5+ Properties into one loan (simplify payments)
Why Investors Choose Us:
✅ 30-Year Terms – Lower payments vs. hard money
✅ Cash-Out Refinance – Pull equity to buy more properties
✅ Fix & Rent Strategy – Use a fix & flip loan, then refinance long-term
Example Deal – $300K Duplex Cash Flow
Purchase Price: $300,000
Down Payment (25%): $75,000
Loan Amount: $225,000
Monthly Rent: $3,200
Mortgage Payment: $1,450 (P&I)
Monthly Cash Flow: $1,750
Eligible Properties
Single-family rentals (SFRs)
Multi-family (2–4 units)
Short-term rentals (Airbnb, if zoned correctly)
Rental Loan Requirements
Credit Score: 660+
DSCR: 1.25+ (rent must cover 125% of mortgage)
Reserves: 6 months of payments
Have questions? click below
Loan Options
Buy & Hold Loans
Loan Amounts: 100,000–5,000,000
Terms: 30 years (fixed or adjustable)
Rates: 6.5% – 8.5% (based on credit & DSCR)
DSCR Loans (No Tax Returns)
Approval Based On: Property cash flow (1.25x DSCR minimum)
Great For: Self-employed investors or LLCs
Portfolio Loans
Refinance 5+ Properties into one loan (simplify payments)
Why Investors Choose Us:
✅ 30-Year Terms – Lower payments vs. hard money
✅ Cash-Out Refinance – Pull equity to buy more properties
✅ Fix & Rent Strategy – Use a fix & flip loan, then refinance long-term
Example Deal – $300K Duplex Cash Flow
Purchase Price: $300,000
Down Payment (25%): $75,000
Loan Amount: $225,000
Monthly Rent: $3,200
Mortgage Payment: $1,450 (P&I)
Monthly Cash Flow: $1,750
Eligible Properties
Single-family rentals (SFRs)
Multi-family (2–4 units)
Short-term rentals (Airbnb, if zoned correctly)
Rental Loan Requirements
Credit Score: 660+
DSCR: 1.25+ (rent must cover 125% of mortgage)
Reserves: 6 months of payments
Have questions? click below
Fix & Flip Loan Requirements
Credit Score: 620+ (exceptions for strong deals)
Experience: 1+ completed flips (or partner with a contractor)
ARV Minimum: 1.25x total project cost
Reserves: 6 months of payments
STILL NOT SURE?
Frequently Asked Questions
We understand you might have some questions
Can I use an LLC?
Yes! We lend to LLCs with no personal guarantee (case-by-case).
What’s the minimum down payment?
A: 20–25% for SFRs, 30% for multi-family.
Do you work with first-time landlords?
Yes, if you have strong credit and reserves.
Related Services
Property Management
Full-service oversight for rental properties, from tenants to maintenance.
Cash-Out Refinance
Tap into your property’s equity for cash while keeping your mortgage.
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Why 500+ Clients Choose Divine Equity
Fast approvals
Flexible Funding solutions
Expert Guidance
High Approval Rates
Lets get started
1. Consult: Tell us your goals (business, property, or both)
2. Match: We align you with the right services.
3. Execute: Get funded, compliant, and operational.
© 2025 Divine Equity - All Rights Reserved,
© 2025 Divine Equity - All Rights Reserved,