Maximize Your Cash Flow with Rental Property Loans
Explore our flexible and tailored solutions for financing rental properties, whether for a single property or an entire portfolio. Start scaling your rental property empire today!
Rental Property Lending
At Empire Investments, we understand that every investor has a unique strategy. That’s why we’ve developed a versatile suite of rental loan products designed to meet your specific needs. Whether you’re looking to finance a single rental property or a portfolio, our loan options offer flexibility in terms, interest rates, and structures.
Details
- One loan for one rental property or multiple properties
- Loan amounts from $75k to $1mm
- Flexible 5, 10, and 30-year term options
- Up to 80% LTV on purchase & rate/term refi, up to 75% on cash out
- No personal income requirements
- Fixed rate, ARMs, fully amortizing, or interest-only options
- Multiple structure options to fit unique investment strategies
- Flexible pre-payment options
- Minimum FICO score of 700 for short-term rentals
- 1.5+ DSCR for short-term rental loans
Overview :
Empire Investments provides a diverse range of loan solutions specifically tailored for rental property investors. Our Rental Loan Program is designed to accommodate various investment strategies, offering flexible terms, competitive rates, and customizable loan structures. Here’s a detailed overview of our program:
Single Rental Property Loans:
- Loan Amounts: From $75,000 to $1 million.
- Term Options: Choose from 5, 10, or 30-year terms.
- Interest Rates: Flexible options available.
- Loan-to-Value (LTV): Up to 80% on purchases and rate/term refinances, up to 75% on cash-out refinances.
- Income Requirements: No personal income requirements needed.
Portfolio Rental Loans:
- Loan Structure: One loan covers two or more rental properties.
- Loan Amounts: No maximum loan amount or unit count.
- Term Options: Choose from 5, 10, or 30-year terms.
- Interest Rates: Options include fixed rates, adjustable-rate mortgages (ARMs), fully amortizing, or interest-only.
- Pre-payment Options: Flexible pre-payment terms to suit your strategy.
Short-Term Rental Loans:
- LTV on Purchases: Up to 75%.
- LTV for Cash-Out Refinances: Up to 70%, with 12 months of income verification.
- Debt Service Coverage Ratio (DSCR): Minimum of 1.5.
- Credit Requirements: Minimum FICO score of 700.
- Term Options: Choose from 5, 10, or 30-year terms.
- Interest Rates: Options include fixed rates, ARMs, fully amortizing, interest-only, or balloon payments.
Why Choose Empire Investments?
- Versatility: Tailored loan products to meet various investment strategies.
- Flexibility: Options to maximize monthly cash flow, choose different term lengths, and select from various interest rate structures.
- Personalized Service: We work closely with clients to understand their goals and create customized loan solutions.
- Expert Guidance: Our team of experts provides support and guidance throughout the loan process.
Additional Information :
- Versatile loan products for different investment strategies
- Maximize monthly cash flow
- Options for exiting your portfolio in 5 to 30 years
- Choice to float your rate or lock it in
- Loans for both single properties and portfolios
- No maximum loan amount or unit count for portfolio loans
- Personalized service to understand and meet your goals
- Expert guidance to create the best loan solution for your needs
More Loan Programs
Partner with Empire Investments Today
Appointment
Let's Talk with a Lending Specialist
Connect with our expert lending specialists today to explore your financing options. At Empire Investments, we’re committed to guiding you through every step of your loan journey with personalized care and expertise.
- Every Step Of The Way
Our team is dedicated to supporting you throughout the entire loan process, ensuring transparency and clarity at every turn. Whether you’re refinancing or purchasing a property, count on Empire Investments to be your trusted partner.
- Dedicated Loan Concierge
Experience personalized service with our dedicated loan concierge who will tailor financing solutions to meet your unique needs. From initial consultation to closing, we’re here to streamline your experience and maximize your investment potential.
- Flexible Rates & Low Fees
Benefit from competitive rates and minimal fees designed to optimize your financial outcomes. At Empire Investments, we offer flexible financing options that align with your budget and investment goals, ensuring affordability and profitability.
Make an Appointment
Schedule a consultation today with one of our experienced lending specialists. We’re committed to helping you achieve your real estate investment goals with tailored solutions and exceptional service.
How It Works
Streamlined Process for Your Rental Loan
At Empire Investments, we’ve simplified the rental loan process to ensure a smooth and efficient experience. Discover how easy it is to secure financing for your rental properties with our four-step process.
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