Copyright 2019 Center Street Lending. 

All Rights Reserved. CFL License No. 60DBO-57755 | AZ MBL# 0930263 

Real Estate Broker - CA Bureau of Real Estate - License #01883377 | NMLS 905781


Rental Property Lending

Who are Rental Property Loans Suited For?

Our rental loans are suitable for AirB&B, VRBO or rental property owners that want to take advantage of fixed financing rates to purchase or refinance a rental property.

Property Types We Rental Property Fund

We lend on single-family rental properties, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied. Foreign nationals are subject to a lower loan to cost (LTC) and loan to value (LTV) thresholds.

How do Rental Property Loans Work?

We require a minimum score of 650+ and a $150,000 loan amount. All of our loans are serviced and underwritten in-house, for a 7-10 business days funding time. Once you have filled out an application and been pre-qualified for your loan you will need to provide specific documentation.

Rental Property Program Criteria

To get a Rental Property Loan started you will need:

  • A minimum of 1 stabilized rental property for 12 months

  • A 650+ minimum score

  • $150,000 up to $2,500,000 non-owner occupied property

  • 2 months of recent bank statements

  • Score and background check


  • DSCR / Debt yield requirements on a case by case basis

  • Rates from 8.25%

  • 6 - 36 months flexible terms

  • No prepayment penalty

AirBnB & VRBO Rental Loans

Let us help you reach your full potential as an investor


I appreciate how professional the staff at Center Street has been. Even when things got a bit difficult, as they do during rehab projects, it was always a pleasure to speak with everybody at the office. 

Jeremy D.

Here's what our clients think of us

There is no way I would have been able to close on my purchase in the time I did if it wasn't for Center Street's rapid funding. They were quick and efficient right down to every detail.

Murrieta, CA