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

Terms

DSCR / Debt yield requirements on a case by case basis
Rates from 8.25%
6 - 36 months flexible terms
No prepayment penalty

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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