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Elevate Mortgage

Rental Property Loan · Own the rental, let the rent qualify

Rental Property Loan: Own the rental. Let the rent do the qualifying.

Financing for rental properties — long-term leases, short-term rentals, and 2–4 unit multi-family — qualified on the property’s income rather than yours. Rental property loans are structured as DSCR loans: the full program details, specs, and calculator live on our DSCR page.

  • Market Rent Does the Qualifying — No W-2s, no tax returns, no personal DTI math — the property’s income carries the loan.
  • House-Hack or Hold — 2–4 unit multi-family is welcome, from your first rental to your fifteenth.
  • LLC or Personal Name — Vest in your own name or your LLC, whichever fits your strategy.
  • No Seasoning on Cash-Out $100K+ — Refinance right after purchase or rehab on today’s appraised value — see the DSCR page for full specs. see how it works →

Or skip the form — call or text 949-868-2422

Find My LoanAbout 55 seconds left

60 seconds · no hard credit pull · never sold

What type of property is this?

You’ll work directly with Anthony HuynhVice President · NMLS #1996696

Not your W-2
Rent qualifies
Multi-family welcome
2–4 units
Or your personal name
LLC OK
On cash-out $100K+
No seasoning

Program terms depend on credit profile, LTV, property type, occupancy, and loan specifics, and are subject to change. All loans subject to credit approval.

Fastest answer: call or text us — 949-868-2422 · no call center, no waiting

Run the Numbers

Run your Rental numbers.

Enter your numbers for a quick estimate — then turn it into real numbers with the funnel or a call.

DSCR Calculator

Does the rent cover the payment? Compare a 30-year fixed against a 10-year interest-only option.

Loan purpose
Property & loan
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Linked to LTV

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Enter a rate to model — we don’t advertise rates.

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Optional — adds the interest-only comparison.

Income & expenses
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Closing costs (optional)
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Enter the 30-year rate (plus value, loan amount, and rent) to see your DSCR.

Opens the 60-second options check with your numbers filled in — no hard credit pull.

DSCR = gross monthly rent ÷ monthly PITIA (principal, interest, taxes, insurance, HOA). Actual terms depend on LTV, DSCR tier, credit, and property type.

Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.

Know Before You Apply

Can we fund your deal? Check before you apply.

The Rental Property Loan guidelines, plainly stated. Requirements vary by lender and scenario — a quick call confirms yours.

Rental Property Loan requirements

What you need

  • Program Details: Rental loans qualify via DSCR — see the DSCR page for full program specs
  • Where we lend: Available for investment properties in 44 states plus Washington, D.C. — see every state

General guidelines only, not a commitment to lend. Gray-area scenario? Call or text 949-868-2422.

Recently Funded

Recently funded: Rental.

A sample of loans funded for clients across the country — borrower details omitted for privacy.

  • DSCR

    Denver, CO

    $200,000

Examples of actual funded transactions; borrower details omitted for privacy. Past transactions are not a guarantee of loan approval or terms. All loans subject to credit approval.

Reviews

5.0 from clients who closed with Anthony.

Read all 25 verified reviews →

  • 5 out of 5 stars

    “Great salesman and def deserve all the stars the world have to offer. Thanks for finishing up my loan. Much appreciated.”
    Zhong Z · Memphis, TN · Apr 2026Verified client review

  • 5 out of 5 stars

    “Had a great experience with Anthony. He was professional, patient, and very helpful in explaining the process clearly. Anthony's support made everything smooth and stress-free. Highly Recommended. Thank you Anthony”
    NF · Peoria, ArizonaVerified client review

  • 5 out of 5 stars

    “Anthony was outstanding to work with throughout the entire loan process. He was extremely responsive, knowledgeable, and proactive at every step, which made the transaction smooth and stress-free.”
    Ashish S · Mason, OhioVerified client review

FAQ

Frequently Asked Questions

Common questions about the Rental Property Loan.

How do rental property loans work here?

Rental property loans are structured as DSCR loans: the property’s rent does the qualifying instead of your personal income. Long-term leases, Airbnb/VRBO, and 2-4 unit buildings all run through the same program — the full specs and calculator live on our DSCR page.

Do I need experience or a W-2 to finance a rental?

No W-2 requirements and no personal DTI math. First-time investors are welcome — if the rent covers the payment, we should talk.

Related Programs

Other programs worth a look.

Not quite the right fit? These programs solve neighboring scenarios — or let the funnel route you.

Ready to explore Rental Property Loan?

Answer a few quick questions and get a personalized strategy recommendation — including whether Rental is right for your situation. No hard credit pull.

Check My Options →Call / Text Us: 949-868-2422

Prefer a set time? Book a call · Ready to apply? Start your full application

West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.