Lendinghome Rental Loans
Grow your rental business
Refine your long-term investment strategy with our low rates and flexible borrower terms.
See Your Rate
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From a customer-friendly underwrite to the terms and rates that we offer, we are striving to provide flexibility and convenience to our borrowers so that getting a mortgage for a rental property is easy and the terms make the most sense to the borrower.
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Rental Loan Benefits
Low rates, high leverage
Finance up to 80% of your property's value at rates as low as 5.25%.1
6-month cash-out period
Refinance your property and take out equity in just six months after your last finance transaction.
Flexible property income requirements
We can finance your rental property without qualifying property income.
No reserve requirements
We do not require bank reserves or asset verification.
No hard credit pull
We don’t use hard credit pulls so your credit score will never be affected.
Streamlined technology and service
Access your loan details easily on our online dashboard and enjoy reliable support from our team.
1Based on current market rates.
Rental Loan Terms
Borrow Up To
$2 Million
CASH-OUT UP TO
$500,0002
NO PREPAYMENT
PENALTY AFTER
3 Years
2Cash-out LTV based solely off of appraised value, not cost basis.
Whether you want to finance a new purchase, refinance a property you own, or free up cash in your portfolio—our terms are here to help.
- 5/1 ARM3 (Fully amortizing)
- Single-family homes and detached PUD4
- Individual and entity borrowers eligible
- Minimum 640 FICO requirement
35/1 ARM is a 30-year adjustable-rate mortgage product. Your rate will be fixed for the first five (5) years, then will change once (1) per year for the remainder of the mortgage. The change in interest rate is tied to a published index reflecting market conditions. We offer a fully amortized option for this product.
4Non owner-occupied rental properties only.
Rental Loan FAQs
What states does LendingHome offer rental loans in?
We currently offer rental loans in AZ, CA, CO, CT, FL, GA, NJ, NV, NY, SC, TN, and TX — with more coming!
Are you going to offer rental loans for other property types?
In addition to single-family homes and detached PUDs, we are rapidly growing and plan to add additional property types soon.
Do you offer single or portfolio asset loans?
We currently offer single asset loans and are looking into the possibility of expanding into portfolio products.
2019 Fintech Breakthrough Award
Best Digital Mortgage Product
2019 Forbes Fintech 50
Forbes Fintech 50
2019 HousingWire
2019 HW Tech100 Winner