Our Single Family Home Loan is built for investors who want to buy, refinance, or cash out individual rental properties — one at a time, on their own schedule. We don't ask for tax returns, W-2s, or pay stubs. Instead, we look at the property itself: its rental income, its appraised value, and whether the numbers make sense.
Whether you're picking up your first rental or adding door number fifty to the portfolio, this program scales with you. Fund into your LLC or personal name. Close in 2–4 weeks. Keep your personal finances out of the equation entirely.
No Tax Returns
We understand landlords write off expenses. Our loans are based on property cash flow, not your personal income or W-2s.
30-Year Fixed Rate
Lock in your rate for the full 30-year term with no balloon payment. Predictable payments for the life of the loan.
Unlimited Cash Out
Access the equity in your existing rental properties to fund your next acquisition or build cash reserves.
Close in 2-4 Weeks
Asset-based underwriting means less documentation and faster closings. Move quickly on the right deal.
Who Is the Single Family Home Loan For?
This program works for first-time rental investors, self-employed borrowers, LLC owners, and experienced landlords scaling their portfolios. You don't need a salaried W-2 job, tax returns, or years of landlord experience. If the property cash-flows at a .75x DSCR or better with at least 20% down, you can likely qualify.
First-time rental investors use this loan to buy their first income property without the documentation headaches of a conventional mortgage. You won't need two years of tax returns or proof of rental management experience — just a property that makes financial sense at 80% LTV or less.
Self-employed borrowers and business owners benefit the most from asset-based underwriting. If your tax returns show low net income because of legitimate write-offs, a bank will turn you down. We won't. We look at the property's income, not yours.
Can you get a rental property loan if you own an LLC? Yes — and it's one of the most popular ways investors use this program. Loans close directly into your LLC for liability protection, with no extra paperwork or higher rates compared to personal-name closings.
LLC and entity borrowers are welcome. Loans close directly into your LLC, S-corp, or trust with no extra paperwork. Our asset-based underwriting works identically regardless of entity structure, so choosing an LLC for liability protection doesn't slow down the process.
How Does Asset-Based Underwriting Work?
Asset-based underwriting evaluates three numbers: the property's appraised value, its rental income, and the debt service coverage ratio (DSCR). If the property's gross rent divided by the total monthly payment produces a ratio above our minimum threshold, the property qualifies -- regardless of your personal income, tax returns, or how many other mortgages you carry.
The DSCR measures whether the property's rental income covers the mortgage payment. The total monthly payment includes principal, interest, taxes, insurance, HOA, and property management -- known as PITIA. Fannie Mae guidelines cap most investors at 10 financed properties, but our program has no limit because each loan stands on its own merits.
This means qualification gets easier as you buy better properties -- not harder as your personal debt grows. Conventional lenders typically take 30-45 days to close an investment property loan; our asset-based process closes in 2-4 weeks because there's no personal income verification to slow things down. It's why experienced investors with 10, 20, or 50 doors still use this program.
Fund Directly Into Your LLC
Most rental investors hold properties in an LLC for liability protection. Our program funds directly into your entity — no requirement to close in a personal name first and then transfer. The underwriting process is identical whether you close in an LLC, trust, or your own name, so choosing an entity structure doesn't add time or cost to the transaction.
This matters because transferring title after closing can trigger due-on-sale clauses with conventional lenders. With our program, the LLC is on the note from day one.
Ready to Finance Your Next Rental Property?
No tax returns, no W-2s, no personal DTI calculations. Our asset-based lending gets you funded in 2–4 weeks.
What Is the Difference Between Hard Money Loans and Conventional Mortgages?
A conventional mortgage relies on the borrower's personal income, tax returns, and credit profile with typical down payments of 20-25%. A hard money rental loan (also called an asset-based loan) relies on the property's appraised value and cash flow instead. The trade-off: slightly higher rates but dramatically faster closings, no income documentation, and no limit on financed properties.
Conventional Mortgage
Requires full income documentation: two years of tax returns, W-2s, bank statements, and employment verification. Banks cap the number of financed investment properties (usually 4–10), impose strict DTI limits, and the process takes 45–60 days. Rates may be slightly lower, but qualifying is the bottleneck for most investors.
Asset-Based Rental Loan
No tax returns, no W-2s, no personal DTI. Qualification is based on the property's rental income and appraised value. No limit on the number of financed properties. Close in 2–4 weeks. Fund into your LLC from day one. The rate is slightly higher than conventional, but you close faster, qualify easier, and scale without limits.
From your first rental property to your 100th — we scale with you.
What Are the Most Common Single Family Loan Use Cases?
Investors use this loan for four primary scenarios: first rental purchases at 80% LTV, cash-out refinances at up to 75% LTV to recycle equity into the next deal, primary-to-rental conversions after relocating, and portfolio expansion without hitting the Fannie Mae 10-property cap that restricts conventional borrowers.
First rental purchase. You've found a property that cash-flows at a .75 DSCR or better. You put 20% down, we fund the other 80% based on the appraised value, and you close in 2–4 weeks. No need to prove two years of rental experience or provide your employer's contact information.
Cash-out refinance. You own a rental free and clear or with significant equity. You want to pull cash out to buy another property, make improvements, or build reserves. We'll lend up to 75% of the current appraised value on cash-out (80% on rate-term refinance) and hand you the difference at closing. This is one of the fastest ways to recycle equity from one deal into the next.
What about converting your primary residence into a rental? That's another common use case. If you're moving and want to keep the house as an income property, you can refinance out of your conventional mortgage and into our 30-year fixed DSCR program once you have a signed lease or documented rental income history.
Not sure which program fits? Use our Loan Recommender to match your scenario to the right product in under 60 seconds. Or try the DSCR Calculator to check whether a property's rental income covers the debt service before you apply.
What Other Loan Programs Do You Offer?
Beyond single-family loans, we offer blanket mortgages for multi-property portfolios (no limit on properties), short-term rental financing for Airbnb/Vrbo investments, bridge loans for fix-and-flip projects, No-Ratio DSCR loans for vacant or low-income properties, and apartment building financing up to $25M. Each program uses asset-based underwriting with no personal income verification.
Finance multiple properties under one loan. Consolidate your portfolio with a single mortgage.
Apartment building financing for 5+ unit properties with expanded approvals.
Airbnb and vacation rental financing for short-term rental investors.
No debt service coverage ratio required. Qualify based on property value alone.
Why Choose Our Single Family Home Loan
- No tax returns, W-2s, or personal income verification required
- 30-year fixed rate with no balloon — your payment never changes
- Fund directly into your LLC or personal name — your choice
- No cap on financed properties — scale from 1 door to 100+
- LLC, S-corp, and trust entity lending available
- Close in 2–4 weeks with 1–2% origination from loan proceeds
For full program details including rates, LTV limits, FICO requirements, and fee structure, see our Single Property Loan 30/30 terms page.
Get Started on Your Single Family Home Loan
Apply online in minutes or call for a free consultation. We'll walk you through the numbers on your specific property and give you a straight answer on qualification.