Lendinghome Rental Loans

Grow your rental business

Refine your long-term investment strategy with flexible borrower terms and a low-document process.

See Your Rate

About LendingHome Rental Loans

Flexible terms
We offer multiple loan terms and rates and leverage based on FICO.
Low-document process
Move quickly with no personal income verification required.
Streamlined technology
Our online dashboard paired with support from our team creates a simplified, reliable experience.

We support you as a landlord

Choose the mortgage option that best fits your investment needs and business growth.


Our terms are here to help

Finance a new purchase, refinance a property you own, or free up cash in your portfolio with us.

See Your Rate
  • Rates as low as 4.95%1
  • 2-4plex, detached-pud, and single-family properties2
  • Individual and entity borrowers eligible
  • Minimum 680 FICO requirement
  • Cash-out up to $500,000 after 4 months3
  • No prepayment penalty after 3 years
  • No hard credit pull
1Rates and LTV are based on loan term, borrower qualifications, and property factors and are subject to change.
2Non owner-occupied rental properties only.
3Cash-out LTV based solely off of appraised value, not cost basis.
LendingHome made the approval process smooth and seamless. Everything was done online with an easy-to-follow workflow that lets you know exactly where you are in the process. I'm looking forward to doing more business with LendingHome with their rental program—and I'm also going to be using them as a hard money lender.
Real estate investor for over 3 years

Rental Loan FAQs

What states does LendingHome offer rental loans in?

We currently offer rental loans in AZ, CA, CO, CT, DC, FL, GA, KY, MA, MD, MI, MN, MO, NC, NJ, NV, NY, OH, OK, PA, SC, TN, TX, VA, WA, and WV — with more coming!

Are you going to offer rental loans for other property types?

In addition to 2-4plex, detached-pud, and single-family properties, 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.

What is a 5/1 ARM, 7/1 ARM, and 30-year fixed?

A 5/1 ARM, and 7/1 ARM are 30-year adjustable-rate mortgage products. Your rate will be fixed for the first five (5), or seven (7) 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.

A 30-year fixed mortgage has the same interest rate for the entire duration of the loan.
2019 Fintech Breakthrough Award
Best Digital Mortgage Product
2019 Forbes Fintech 50
Forbes Fintech 50
2019 HousingWire
2019 HW Tech100 Winner