Rental Property Loans.
Fast Review, Flexible Terms
Lock in 30-year fixed rates for your investment properties. No DSCR requirements, no income verification — just fast, investor-focused financing.
- Loan Amounts: $150K to $5M
- Terms: 30-year fixed rates
- Up to 75% LTV (70% for loans > $1M)
- Up to 90% CLTV with seller carry
- No DSCR, No Income, No Employment verification
- No minimum credit score (premium pricing 700+)
- Property Types: 1-4 unit, condos, townhomes
- 12-month prepay penalty with buydown options
We Waive the 0.5% Processing Fee
Most investor par rates are around 2%, and that often includes a 0.5% processing fee based on the loan amount. FundNow Capital waives that fee for qualified borrowers so you can move faster, lower your upfront cost, and get your loan done without the usual runaround.
Why Choose FundNow Capital for Rental Property Loans?
We're direct private lenders focused on what matters: property value and your investment strategy. No red tape, no DSCR headaches.
No DSCR Requirements
Traditional lenders demand debt service coverage ratios — we don't. Focus on the property, not the paperwork.
Close in 8-13 Days
Fast funding when you need to move quickly on rental opportunities. Compete with cash buyers.
Built for Portfolio Growth
Close in your LLC or trust with up to 75% LTV. Scale your rental portfolio without personal income limits.
One-on-one service with decision makers who understand investor needs.
How the Process Works
From application to funding in 13-20 days on average. Here's what to expect.
Submit your property & entity info
Provide your property details and entity structure (no income docs required)
Receive a term sheet
Get your personalized term sheet with deal terms tailored to your scenario
We complete underwriting and title
Our team handles underwriting and title coordination with investor terms built in
Minimal Documentation Required
For rental property loans, we don't require income docs or DSCR calculations. Just the property address, purchase price or estimated value, and basic entity docs if using an LLC or trust.
We Lend in 45 States + DC
Nationwide rental property loan coverage with local expertise and fast closings
We do not currently lend in Arizona, North Dakota, South Dakota, and Alaska
Real Rental Property Success Stories
These are real rental loans funded with 30-year fixed terms, no income verification, and lightning-fast closings for serious investors.
Single Family Rental
30-Year Fixed - Closed in 11 Days
Duplex Investment
30-Year Fixed - Closed in 9 Days
Townhome Portfolio
30-Year Fixed - Closed in 14 Days
Common Ways Investors Use This Loan
Long-Term Buy & Hold
Lock in a 30-year fixed rental property loan and secure monthly cash-flow while you build equity over time.
Portfolio Expansion
Refinance an existing rental, extract equity and redeploy capital into your next investment property.
Stabilizing Under-Rented Assets
Acquire a rental at below-market rent, reposition it and hold long term using the same investor-friendly loan structure.
Need short-term financing for quick flips or repositioning?
View our Bridge Loan ProgramWhy FundNow Capital
Direct Private Lender Since 2001
NMLS Licensed Lender | Business-Purpose Loans Only
Learn More About UsExplore More Financing Solutions
We offer specialized loan programs for every type of investment property
Bridge Loans
Need short-term financing? Check our bridge loan programs for quick acquisitions and repositioning.
Learn MoreCommercial Loans
Financing commercial properties? Check our commercial loan programs for retail, office, and mixed-use buildings.
Learn MoreForeign National Loans
International investor? We specialize in financing for foreign nationals and non-U.S. citizens.
Learn MoreMultifamily Loans
Looking for apartment building financing? View our multifamily loan programs for 5+ units.
Learn MoreGet Rental Property Loan Terms
Submit your property details and receive financing options within 24-48 hours.
Submit now and we'll reach out the same business day.
By submitting this form, you agree to our Privacy Policy and Terms of Service.
Rental Property Loan FAQ
Common questions about our long-term rental property financing solutions
Frequently Asked Questions
Let's Get Your Rental Property Financed
Ready to lock in a 30-year fixed rate for your next rental? We make it simple — no DSCR, no income docs, and we close in 8-13 days. Let's talk about your property and get you a term sheet.