Reliable Financing for Real Estate Investors

Long Term Rental

Investor-focused financing for long-term rental properties is what DSCR Loans Direct delivers. Our DSCR loans prioritize property cash flow, offering quick approvals and flexible terms to simplify portfolio growth or refinancing. With a hassle-free process, we empower you to build your rental investments with ease. Fill out the form below to get started today.

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UP TO
6.375%
RATES FROM*
85%
LTV
10-14
DAY CLOSE
30, 40yr
I/O OPTION
$100k up to $3M

Step 1: Submit Your Deal

Long Term Rental

Benefits

Why Choose Our Long-Term Rental Loans?

Long-Term Rental (LTR) loans are crafted specifically for real estate investors seeking to generate stable rental income. Designed for properties with long-term tenants, these loans provide competitive rates, flexible terms, and a simple approval process. Whether you’re expanding your rental portfolio or refinancing an existing property, our LTR loans ensure you have access to reliable capital to support your investment goals.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Loan Details

Monthly Expenses

Tailored for Real Estate Investors

Are We a Good Fit?

Our Long-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

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Experience

First time investor allowed

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Credit Score

Minimum of 660.

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Liquidity/Reserves

20% down payment with 6 months of reserves.

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Property Type

SFR, Condo, Townhome, 1–10 Units

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Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Get Started

Apply Now

Begin your journey to homeownership today!

Key Loan Terms for Real Estate Investors

Long-Term Rental Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Long Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
20% Down
Reserves:
6mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.375%
Loan-to-Value LTV:
85%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–10 Units
Loan Amount Min:
$100k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units

Experience Financing Tailored for Long-Term Success

  • Simplified Process: Our easy-to-follow loan process ensures efficiency and transparency.
  • Fast Closings: Avoid delays with our quick and reliable funding process, typically completed within 10–14 days.
  • Investor-Centric Expertise: We understand the unique needs of real estate investors and provide customized solutions.
  • Trustworthy Partnerships: With a focus on integrity and communication, we ensure a stress-free lending experience.

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

About

About Elevate Mortgage

I’m a mortgage professional with over 5 years of experience helping real estate investors access fast, flexible financing—without the hassle of traditional banks. I specialize in DSCR (Debt Service Coverage Ratio) loans, which are based on the property’s cash flow, not your personal income or tax returns.

With direct access to over 100 lenders, I tailor solutions to fit your unique investment goals—whether you’re buying your first rental or refinancing a large portfolio. My mission is simple: make financing smooth, strategic, and built for long-term success.

Outside of work, I’m a proud foodie, traveler, and sports enthusiast. My wife and I explore a new country every year, and I bring that same curiosity and dedication to every client I serve.

If you're ready to work with someone who understands your vision and gets the deal done—you’re in the right place.
Let’s grow your real estate empire, together.

Recently Funded deals

Deal Type Address Loan Amount
Fix & Flip 10524 Catalina Pl, White Plains, MD 20603 $140,000
Fix & Flip 3034 Lundt, Waldorf, MD 20603 $300,000
Fix & Flip 7256 Joplin S, Capital Heights, MD 20743 $120,000
Fix & Flip Ridgway Ave, Durham, NC 27701 $25,000
Fix & Flip 327 Whittier St, Washington, DC 20012 $340,000