Rental Property Loans
If your investment strategy involves short or long-term rentals then a private lender can help. These loans are designed specifically for real estate investors and can be based on the property's income potential rather than debt-to-income ratios or credit score. Private lenders are a great resource for investors looking to buy, refinance, or scale their rental properties.
Overview
Why Choose Rental Property Loans
Traditional banks may require higher down payments, stacks of paperwork, and don’t move fast enough in this competitive market. A private lender rental property loan is designed to help investors grow their rental portfolios while maintaining strong cash flow. Private lending offers:
Flexibility
Traditional banks often cap the number of mortgages an investor can hold, making it difficult to scale. Private Lenders are ready to grow with you.
Custom Loan Structures
Private lenders may offer interest-only loans, portfolio loans and loans for properties that may not meet traditional bank requirements, like fixer-uppers and mixed-use buildings.
Asset Based Loans
Leverage a property’s income – not your personal finances. DSCR loans are ideal for investors, using rental cash flow to qualify for funding.
Educational Section
Why Choose Us To Finance Your Rental Property
Our lender network is the largest in the nation, so whether you’re buying your first rental or adding to an established portfolio, we can match you with a lender who can help. We verify and vet each lender, then match you with the ones that can fund your investment. These lenders compete to get your business, ensuring you get the best deal.
Over 625,000 Funding Requests Since 2015
"I have accomplished so much"
The lenders I met were an absolute pleasure to work with. In the short time I have been working with the lender I was introduced to I have accomplished so much and successfully raised capital for my real estate investing business.
"I expected it to be harder."
Instead of me chasing lenders, they came to me. I received calls and offers from 3 different private lenders and was able to choose the best terms that worked for my deal. I expected it to be harder.
"It was super quick and simple"
I filled out the Private Lenders form in a couple minutes. It was super quick and simple.
"I am looking forward to closing"
I met a lender that I've closed 2 loans with since the introduction! I am looking forward to closing many more deals with my new lender.
"Minutes!"
There were just a few questions about my address, my investment property. It took less than 5 minutes to complete the request. I started getting calls from lenders in minutes. Minutes! I've never heard from other lenders that quickly.
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I had been contacted by multiple lenders. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
"I'll definitely be coming back"
There's been a property I drive by every day that looks like nobody's been there for a while now, so I went to PrivateLenders.com to see if I could get a quote for some private funding to buy this house. It took just a few minutes to fill out the form, and I was contacted by 4 different lenders that same day with financing offers. I'll definitely be coming back to PrivateLenders.com the next time I see a vacant property!
"Potential to Build Business Together"
I have spoken to three different lenders, all of which we had good conversations. Each of their information was helpful and we have the potential to build business together. Thanks!
"Just what I needed"
PrivateLenders.com connected me directly to the funding my business needs to grow. Because of PrivateLenders.com, I am confident to move my business forward... I am pleasantly surprised and grateful. This connection is just what I needed to grow my new business.
"I couldn't ask for anything more."
I met a lender who financed my investment property! I couldn't ask for anything more.
"It was super quick and simple"
I filled out the Private Lenders form in a couple minutes. It was super quick and simple.
"I'll definitely be coming back"
There's been a property I drive by every day that looks like nobody's been there for a while now, so I went to PrivateLenders.com to see if I could get a quote for some private funding to buy this house. It took just a few minutes to fill out the form, and I was contacted by 4 different lenders that same day with financing offers. I'll definitely be coming back to PrivateLenders.com the next time I see a vacant property!
"Just what I needed"
PrivateLenders.com connected me directly to the funding my business needs to grow. Because of PrivateLenders.com, I am confident to move my business forward... I am pleasantly surprised and grateful. This connection is just what I needed to grow my new business.
"I have accomplished so much"
The lenders I met were an absolute pleasure to work with. In the short time I have been working with the lender I was introduced to I have accomplished so much and successfully raised capital for my real estate investing business.
"I couldn't ask for anything more."
I met a lender who financed my investment property! I couldn't ask for anything more.
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I had been contacted by multiple lenders. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
"I am looking forward to closing"
I met a lender that I've closed 2 loans with since the introduction! I am looking forward to closing many more deals with my new lender.
"Potential to Build Business Together"
I have spoken to three different lenders, all of which we had good conversations. Each of their information was helpful and we have the potential to build business together. Thanks!
"Minutes!"
There were just a few questions about my address, my investment property. It took less than 5 minutes to complete the request. I started getting calls from lenders in minutes. Minutes! I've never heard from other lenders that quickly.
"I expected it to be harder."
Instead of me chasing lenders, they came to me. I received calls and offers from 3 different private lenders and was able to choose the best terms that worked for my deal. I expected it to be harder.
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I had been contacted by multiple lenders. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
"I'll definitely be coming back"
There's been a property I drive by every day that looks like nobody's been there for a while now, so I went to PrivateLenders.com to see if I could get a quote for some private funding to buy this house. It took just a few minutes to fill out the form, and I was contacted by 4 different lenders that same day with financing offers. I'll definitely be coming back to PrivateLenders.com the next time I see a vacant property!
"Potential to Build Business Together"
I have spoken to three different lenders, all of which we had good conversations. Each of their information was helpful and we have the potential to build business together. Thanks!
"I couldn't ask for anything more."
I met a lender who financed my investment property! I couldn't ask for anything more.
"Minutes!"
There were just a few questions about my address, my investment property. It took less than 5 minutes to complete the request. I started getting calls from lenders in minutes. Minutes! I've never heard from other lenders that quickly.
"It was super quick and simple"
I filled out the Private Lenders form in a couple minutes. It was super quick and simple.
"I expected it to be harder."
Instead of me chasing lenders, they came to me. I received calls and offers from 3 different private lenders and was able to choose the best terms that worked for my deal. I expected it to be harder.
"I am looking forward to closing"
I met a lender that I've closed 2 loans with since the introduction! I am looking forward to closing many more deals with my new lender.
"I have accomplished so much"
The lenders I met were an absolute pleasure to work with. In the short time I have been working with the lender I was introduced to I have accomplished so much and successfully raised capital for my real estate investing business.
"Just what I needed"
PrivateLenders.com connected me directly to the funding my business needs to grow. Because of PrivateLenders.com, I am confident to move my business forward... I am pleasantly surprised and grateful. This connection is just what I needed to grow my new business.
"I have accomplished so much"
The lenders I met were an absolute pleasure to work with. In the short time I have been working with the lender I was introduced to I have accomplished so much and successfully raised capital for my real estate investing business.
"I couldn't ask for anything more."
I met a lender who financed my investment property! I couldn't ask for anything more.
"I am looking forward to closing"
I met a lender that I've closed 2 loans with since the introduction! I am looking forward to closing many more deals with my new lender.
"It was super quick and simple"
I filled out the Private Lenders form in a couple minutes. It was super quick and simple.
"I'll definitely be coming back"
There's been a property I drive by every day that looks like nobody's been there for a while now, so I went to PrivateLenders.com to see if I could get a quote for some private funding to buy this house. It took just a few minutes to fill out the form, and I was contacted by 4 different lenders that same day with financing offers. I'll definitely be coming back to PrivateLenders.com the next time I see a vacant property!
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I had been contacted by multiple lenders. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
"Potential to Build Business Together"
I have spoken to three different lenders, all of which we had good conversations. Each of their information was helpful and we have the potential to build business together. Thanks!
"Minutes!"
There were just a few questions about my address, my investment property. It took less than 5 minutes to complete the request. I started getting calls from lenders in minutes. Minutes! I've never heard from other lenders that quickly.
"I expected it to be harder."
Instead of me chasing lenders, they came to me. I received calls and offers from 3 different private lenders and was able to choose the best terms that worked for my deal. I expected it to be harder.
"Just what I needed"
PrivateLenders.com connected me directly to the funding my business needs to grow. Because of PrivateLenders.com, I am confident to move my business forward... I am pleasantly surprised and grateful. This connection is just what I needed to grow my new business.
"I couldn't ask for anything more."
I met a lender who financed my investment property! I couldn't ask for anything more.
"I am looking forward to closing"
I met a lender that I've closed 2 loans with since the introduction! I am looking forward to closing many more deals with my new lender.
"I have accomplished so much"
The lenders I met were an absolute pleasure to work with. In the short time I have been working with the lender I was introduced to I have accomplished so much and successfully raised capital for my real estate investing business.
"Just what I needed"
PrivateLenders.com connected me directly to the funding my business needs to grow. Because of PrivateLenders.com, I am confident to move my business forward... I am pleasantly surprised and grateful. This connection is just what I needed to grow my new business.
"I'll definitely be coming back"
There's been a property I drive by every day that looks like nobody's been there for a while now, so I went to PrivateLenders.com to see if I could get a quote for some private funding to buy this house. It took just a few minutes to fill out the form, and I was contacted by 4 different lenders that same day with financing offers. I'll definitely be coming back to PrivateLenders.com the next time I see a vacant property!
"It was super quick and simple"
I filled out the Private Lenders form in a couple minutes. It was super quick and simple.
"Minutes!"
There were just a few questions about my address, my investment property. It took less than 5 minutes to complete the request. I started getting calls from lenders in minutes. Minutes! I've never heard from other lenders that quickly.
"I expected it to be harder."
Instead of me chasing lenders, they came to me. I received calls and offers from 3 different private lenders and was able to choose the best terms that worked for my deal. I expected it to be harder.
"Took about 3 minutes"
I filled out the form, which took about 3 minutes, then within a day I had been contacted by multiple lenders. One of them had terms that worked out for me and I now have a continuing relationship with a great lender. Thanks!
"Potential to Build Business Together"
I have spoken to three different lenders, all of which we had good conversations. Each of their information was helpful and we have the potential to build business together. Thanks!
How it works
We Make it Quick and Easy to Get Multiple Financing Offers
- Answer a Few Questions
Give us an overview of the type of funding you’re looking for. We’ll send your request out to our verified private lender network and match you with lenders who are ready to compete for your business. - Shop & Compare
This works just like shopping for a flight. Private lenders are competing for your business, which means you get the most competitive offers. NO MARKUP FROM US. - Pick the Best Fit
We make finding a trusted lender easy. You can compare your options from private (non-bank) lenders and select the best deal for you.
FAQs
What is a rental property loan?
A rental property loan is financing used to purchase or refinance a property you plan to rent out, either short-term (like Airbnb) or long-term. These loans are designed for real estate investors—not homeowners.
What types of rental property loans are available?
Lenders in our network offer a range of rental property loan types, including:
-
DSCR (Debt-Service Coverage Ratio) loans
-
Interest-only loans
-
30-year fixed rental loans
-
Portfolio loans for multiple properties
-
Short-term bridge loans for rental conversions
Is my credit score a factor in obtaining a rental property loan?
Private and hard money lenders typically base their lending decisions on the property's value and potential rather than the borrower's credit score. Additionally, lenders may take into account your track record and expertise when making lending decisions.
What if I have multiple rental properties I want to finance?
We can help! PrivateLenders.com facilitates financing for multiple rental properties. Simply provide the details of each property, and you can receive customized offers for each one from lenders in the network.
Ready to Build or Refinance Your Rental Portfolio?
Submit your property details now and get matched to lenders who fund rental deals – fast, flexible, and based on income potential, not just credit.