Rental Property Loan
Own the rental. Let the rent do the qualifying.
What type of loan are you looking for?
Pick the one that sounds most like your situation.
60 seconds · no hard credit pull · your info is never sold
Financing for rental properties — long-term leases, Airbnb/VRBO, 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.
Key Advantages
Why Choose a Rental?
Here's what sets this loan product apart and who it works best for.
Market Rent Does the Qualifying
No W-2s, no personal DTI math — the property’s income carries the loan.
First Rental or Fifteenth
First-time investors are welcome, and there are no property-count limits capping your growth.
LLC or Personal Name
Vest in your own name or your LLC, whichever fits your strategy.
One Program, Every Rental Type
Long-term, short-term, and 2-4 unit scenarios all run through DSCR qualification — see the DSCR page for full specs.
Eligibility
Qualification Requirements
General guidelines for Rental Property Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Program Details | Rental loans qualify via DSCR — see the DSCR page for full program specs |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about Rental Property Loan loans.
Get Started Today
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.
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.
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Related Loan Products
Explore other products that may complement your strategy.
DSCR Loan
The rent qualifies — not your tax returns
DSCR (Debt Service Coverage Ratio) loans provide streamlined financing based on property cash flow rather than personal income. One program covers long-term rentals, short-term rentals like Airbnb and VRBO, and 2-4 unit multi-family — for acquisitions, refinancing, or portfolio growth.
Learn moreCash-Out / Investor Refinance
Turn equity into a lump sum — or reposition the portfolio
Replace your current mortgage and walk away with cash, reduce your payment, or restructure rental debt to free up capital. Homeowners most often use cash-out to consolidate high-interest debt in one closing; investors refinance rental debt without tax returns via DSCR qualification.
Learn moreHard Money
Fast, flexible funding with minimal requirements
Hard Money loans provide fast, flexible capital for investors tackling short-term acquisitions, renovations, or interim financing — with no minimum credit score, 15% down, and no reserves required.
Learn more