Earn up to 3.35% APY2.  No account fees. No minimum balances.

Easy funding for all of your rental properties

From DSCR and fix-and-flip to HELOCs — access capital tailored to real estate investors.

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Heloc
A man in a green sweater smiles while looking at a tablet. The screen shows a property listing for a Philly Townhouse available for $5,343 long-term rent. A checklist beside him reads: Select type of property, Select your loan, Get approved, Close your loan.
Competitive rates across 48 states
All Loan types (Conventional, DSCR, Portfolio)
No obligation. No hassle.

Full Suite of Loan Products

Baselane has hand selected lenders across the country to help best bit your needs.

Rentals
Airbnb Loan/ STR Rentals
BRRRR
New Construction
Fix and Flips
FHA
HELOC

States Our Partners Lend In

Baselane has hand selected lenders across the country to help best bit your needs, whether you’re looking for a local expert or a national lender, we’ve got you covered.

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See if you qualify
A map of the contiguous United States showing each state outlined and filled in teal. The map does not include Alaska or Hawaii.
* Our partners lend in 48 states
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Rental Loan Types

Conventional Loan

  • Lowest Down payments
  • Competitive rates

Best for investors with sufficient W2 income and credit.

Learn More

Asset-Backed Loans (DSCR)

  • Easier to Qualify
  • Faster close
  • No income/W2 required

Best for more experienced investors and/or investors with insufficient W2 Income.

Learn More

Hard Money Loans

  • Quick Financing
  • Easier to Qualify
  • Higher Rates

Best for Short-term (bridge) financing 
such as Fix and Flips.

Learn More

HELOC for Landlords

  • Powered by our partner Figure Lending
  • Apply 100% online and lock your rate in 5 minutes
  • Borrow $15K to $400K using your home equity
  • Get funding in as few as 5 days
  • No in-person appraisal required

Turn home equity into capital — without refinancing.

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All the Rental Loan Types that We Offer

Conventional Loan
Asset-Backed Loans (DSCR)
Hard Money Loans
HELOC

Conventional Rental Property Loan Rates + Terms

Pre-Qualify Today
$100K - $3M
Loan Size
Competitive
Rates
Up to 80% LTV (loan-to-value)
No Prepayment Penalties
10-30 year
Term Fixed Rates
5/1 + 7/1
ARMS
Pre-Qualify Today

Benefits of a Conventional Loan

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Pros:
  • Lowest interest rates
  • Lower down payment (3-20%)
  • Choose from several types of rental mortgage types
Cons:
  • Can be difficult to quality
  • Requires W2 Income
  • Only for individuals, not businesses (LLC)
See If You Qualify

Asset-Backed Rental Property Loan Rates + Terms

Pre-Qualify Today
$100K - $3M
Loan Size
Competitive
Rates
Up to 80% LTV (loan-to-value)
30 year Term Fixed Rates
Interest Only Options
Pre-Qualify Today

Benefits of a DSCR Loan

See If You Qualify
Pros:
  • No income verification required
  • Quicker closing times
  • Finance multiple properties
Cons:
  • Higher down payment
  • Higher interest rates, fees, and closing costs
See If You Qualify

Hard Money Rental Property Loan Rates + Terms

Pre-Qualify Today
$100K - $5M
Loan Size
Competitive
Rates
Up to 90% of Purchase Price
Up to 80% of After Repair Value
12, 18 + 24 month terms w/ interest only options
90-100% of Rehab Cost
Pre-Qualify Today

Benefits of a Hard Money Loan

See If You Qualify
Pros:
  • Fast close
  • Flexible eligibility and terms
  • Fund rehabs
Cons:
  • Higher interest rates and closing costs
  • Higher down payment
See If You Qualify

Home Equity Line of Credit (HELOC)

Pre-Qualify Today
$15K – $400K
Loan Size
Fixed rate available
Rate lock in 5 minutes
Close in as few as 5 days
(Figure-powered online funding)
No in-person appraisal
Entirely digital application
Interest-only payments
On drawn amount only
Great for: First-time landlords, renovations, Airbnb house hacks
Pre-Qualify Today

Benefits of HELOC Loans

See If You Qualify
Pros:
  • Fast funding in as few as 5 days
  • Only pay interest on what you draw
  • Ideal for new landlords, renos, and Airbnb setups
  • Keep your current mortgage — no refi needed
  • 100% online application through Figure
Cons:
  • Requires sufficient equity and good credit
  • Your home is used as collateral
  • Not ideal for large lump-sum needs
See If You Qualify
A Spanish-style house framed by palm trees with an overlay text displaying loan information: Loan Size - $432,000, Property Type - Single Family Residence, Loan Type - Cash Out Refinance, LTV - 75%, Location - Tampa, Florida.
Modern architectural style house with large windows and a patio. Overlay text displays loan information: $247,500 condo purchase in Galveston, Texas with a 75% loan-to-value ratio.
A row of pastel-colored townhouses with a loan information overlay detailing: loan size $534,750, property type as single family residence, loan type for purchase, LTV 75%, and location in Winhall, Vermont.
A house with a desert landscape in the background. Overlay text shows loan information: size $910,000, property type single family residence, loan type purchase/renovation, LTV 81% loan to cost, location Sedona, AZ.

Real Estate Loans to Grow Your Business

When it comes to your next investment property, you need a trusted financing partner to close the deal. That's why Baselane has hand selected trustworthy and knowledgable lenders who are committed to offering your best products and guidance.

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Our Core Values

Solution Driven

An adaptable team committed to you and your business.

Authentic Experience

Knowledgeable people dedicated to your success.

Speed and Ease

Fast, friendly, and reliable loan, every time.

Loyal Partners

Committed to transparency and long-term relationships.

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A smiling person with long hair, wearing a yellow sweater, sits at a desk with papers and a laptop. Next to them is a checklist titled "Real Estate Strategy" with items: Guidance, Secure, Most fitting financing, Support rates, and Benefits to adapt.

Tailored Solutions for Every Real Estate Strategy

We work with buy and hold, fix and flip and short-term rental investors.

For newer investors

Lean on our knowledgeable and responsive loan officers. They'll guide you, ensuring you secure the most fitting and competitive financing options. As you grow and evolve, expect our support, rates, and benefits to adapt with you.

Seasoned professionals

Your dedication hasn't gone unnoticed. We're ready to provide customized solutions and streamlined digital processes designed to help you scale even further.

We're committed to powering your dreams and building wealth together through real estate. We invite you to connect with us.

Get started together

Conventional Loan vs. DSCR

Loan and HELOC

See If You Qualify
FeatureDSCR LoanFix & FlipHELOC
Use CasePurchase & RefiRenovate & SellBuy, Renovate, Airbnb
Loan TypeTerm LoanShort-Term BridgeRevolving Credit Line
CollateralRental PropertyRental PropertyPrimary or Rental
Property Equity
Funding Speed2–4 weeks7–14 daysAs fast as 5 days
Ideal ForLandlords buying with rental incomeFlippers & BRRRROwners with equity looking to grow

Make Winning Offer With Pre-Approval Up to $3M

Our technology is your advantage. Make speed your competitive advantage to win the deal!

Pre-Qualify Today
Apply online

Fill out our from and tell us about your upcoming deal. It takes less than 5 minutes.

Get Matched With Best Lender

Complete our mini questionnaire so we can match you with the best lender fit for your needs

Get Pre-Approved

Confirm some basic info about your deal and experience, and get a pre-approval letter.

Get funded

We’ll do all the heavy lifting to get your deal funded fast.

Frequently asked questions

A conventional rental property loan is a mortgage specifically designed for real estate investors looking to purchase or refinance a residential rental property. With competitive interest rates and various term options, these loans are popular among seasoned and novice investors. Generally, an individual can get up to 10 such loans in their name.

Not sure which loan option is best for you? Email us at success@baselane.com if you’d like to schedule a free consultation with our knowledgeable loan officers.

A hard money loan, also known as a private money loan, is a short-term financing option predominantly issued by private lenders and secured by the property’s value. These loans have terms typically ranging from 3 months up to 5 years. Designed for quick funding of projects like fix-and-flips, they have higher interest rates but unmatched flexibility and speed to close.

Not sure which loan option is best for you? Email us at success@baselane.com if you’d like to schedule a free consultation with our knowledgeable loan officers.

An asset-backed rental property loan, commonly known as a DSCR (Debt Service Coverage Ratio) loan, is a great option for real estate investors, emphasizing the property’s income potential rather than the borrower’s personal income. Unlike traditional loans, DSCR loans don’t require proof of income. Instead, borrowers can qualify based on the property’s cash flow, offering faster closing times and more flexible funding solutions.

Not sure which loan option is best for you? Email us at success@baselane.com if you’d like to schedule a free consultation with our knowledgeable loan officers.

DSCR = Net Operating Income / Debt Service

Debt service coverage ratio indicates the amount of net cash flow available to pay the mortgage. Both real estate investors and lenders use the debt service coverage ratio when analyzing rental property performance. Knowing how to calculate net operating income is key to accurately determining the debt service coverage ratio. Debt service coverage ratio can increase or decrease from year to year.

Example: If a rental property is generating an annual NOI of $10,500 and the annual mortgage payment is $8,700 (principal and interest), the debt service coverage ratio would be:

DSCR = NOI / Debt Service
$10,500 NOI / $8,700 Debt Service = 1.21

A DSCR of 1.21 means more net operating income is available than is needed to service the annual debt. On the other hand, a DSCR of 0.95 means that only enough net operating income is available to pay for 95% of the annual debt payments.

It depends. Read our articles to learn more:

Generally, the loan amount and rates are subject to your personal financial profile, the property valuation and cash flow, your experience level, and your source of capital.

Below is a list of things that can help you get the best rental property loan terms:

Stellar Credit Score: A higher score generally offers better interest rates. Regularly monitor your credit, correct any discrepancies, and pay down outstanding debts.

Sizeable Down Payment: A substantial down payment (usually 20% or more) can secure better terms because it reduces the lender’s risk. It can also help you avoid private mortgage insurance (PMI).

Stable Income and Employment: Lenders want assurance that you can meet your monthly obligations. If you’re self-employed, be prepared with several years of income documentation or apply for a DSCR or hard money loan.

Low Debt-to-Income Ratio (DTI): This ratio indicates how much of your income is tied up in debt payments. A lower DTI can position you for a better loan because it shows you have a handle on your finances.

Experience: Lenders like to see experience in property management or real estate investment. This can sometimes result in better terms, especially for fix and flip loans.

Hire a Mortgage Broker: Brokers can help you navigate the complexities of the lending world, often securing terms and rates that you might not find on your own. Our partner Simplist, can help you shop over 50,000 lenders. Click here to get started.

For rental loans, the minimum median credit score is 640. For rehab loans, it’s 680 for newbies and 575 for prolific rehabbers. To see whether your credit score qualifies and receive an instant quote, apply with us today and speak to a loan officer.

All rates are subject to change. To see today’s rates for your scenario, submit an application.

To get started, simply apply online, and one of our loan officers will contact you. Based on the best loan type for your rental deal, we can provide the required documents. Click here to get started.

This depends on the type of loan. Typically, our digital award-winning process allows us to close within 10-20 business days of full file receipt, including an appraisal.

We partner with Simplist to offer portfolio loans. Click here to get today’s rates.

  • California
  • Colorado
  • Connecticut
  • Delaware
  • District of Columbia
  • Florida
  • Georgia
  • Idaho
  • Illinois
  • Kentucky
  • Maine
  • Michigan
  • Minnesota
  • Mississippi
  • Montana
  • New Jersey
  • Ohio
  • Oklahoma
  • Pennsylvania
  • Tennessee
  • Texas
  • Washington
  • West Virginia
  • Wyoming

* Bridge loan rates and terms are based on a combination of factors: LTV, FICO, and experience and are subject to change. Interest rates or charges herein are not recommended, approved, set or established by the State of Kansas.

All loans are available in CA, CO, CT, DE, DC, FL, GA, ID, IL, KY, ME, MI, MN, MS, MT, NJ, OH, OK, PA, TN, TX, WA, WV and WY, as well as Washington D.C. Prepayment penalties as allowable by state.

© 2025, Skylight Financial Services Inc. (Baselane). All Rights Reserved.

Baselane is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Baselane Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.

2The Annual Percentage Yield (APY) on your Savings Account is accurate as of 6/1/2025. Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Total balances less than $10,000 earn up to 1.56% APY for Savings Accounts. Total balances between $10,000 and $24,999 earn up to 2.35% APY for Savings Accounts. Total Balances between $25,000 and $49,999 earn up to 2.72% APY for Savings Accounts. Total balances of $50,000 or more earn 3.35% APY for Savings Account. Rates are variable and are subject to change after account opening. An APY bonus is applied to accounts that collect rent via Baselane banking within the prior calendar month.

4Some states require an interest-bearing escrow account for security deposits while some don’t require interest. User is responsible to check state laws along with rules for collecting and reimbursing a refundable security deposit. A brief overview of security deposit laws for escrow accounts in all 50 states can be found here.

*All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.