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Rental Loans

We search 50,000 options from top lenders to match you with the best ones, and then do all the hard work for you.

Award winning service

We’ve closed over $500,000,000 in mortgages
in the past 12 months.

We never share your information with lenders until after you apply. No spam!

We partner with some of the largest lenders in the nation, plus regional powerhouses and hidden gems.

We help you find lower rates, and take care of the entire process along the way.

Loan Types

Conventional Loan

Asset-Backed Loan (DSCR)

Rental Loan Terms*

*Sample Loan terms, subject to change.

Single family





Multi - Family

Conventional Loan vs DSCR Loan


Conventional Loan

No DTI restrictions
DTI requirement of 45%
Higher interest rates
Lower interest rates
Easier to qualify
Strict qualifications
Higher down payment
Lower down payment
No PMI premiums
PMI premiums are required

(PMI premiums will eventually cancel)
Easy cash flow
Lager operating expenses
Best for investment properties
Best for Residential purchase
Finance multiple properties
Limited to one property
No income verification
Need to provide income documentation
Flexible repayment terms
Rigid repayment terms
Cannot use owner occupied rental property
Fewer restrictions on the usage of funds
Quick approval process
Long approval process
No employment verification
Employment check and pay slips are required

Benefits of a Conventional Loan



Benefits of a DSCR Loan



Make Winning offer with pre-approval up to $2M

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


Apply Online

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


Lets Talk

We’ll call, text, and email to get in touch with you to talk about your deal - and how you want to scale your business.


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

Some of the biggest advantages of a rental property loan versus a regular home loan are:

  • Flexible: Flexible qualifying criteria that do not need to conform to Fannie and Freddie Mac requirements. This allows you to get loans on different property types and sizes, as well as portfolio loans.
  • Speed: Faster process, less documentation required. With our loan, no income verification is required.
  • Scale: There is a limit to how many regular home loans you can get. With our loan products, you can buy more properties faster when you finance them without a limit on the number of mortgages you have. When you buy a property with only 20% down, that means scaling your real estate portfolio at five times the speed of cash buyers.

Financial Benefits: Even when you take out a loan, you still get all the benefits that come with investment property ownership. You get the tax benefits, the appreciation, and of course income from each property.

Generally, higher credit scores allow for larger rental loan amounts and lower rates. Rates can also be lowered by choosing a smaller loan amount relative to the property value (LTV) or “buying down the rate,” which means paying more upfront in exchange for a lower rate. To estimate loan amounts and rates for various scenarios, click here.

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, click here.

For rental loans, we offer rates as low as 4%. For rehab/construction loans, we offer rates as low as 6.75%. To see today’s rates for your scenario, click here.

To get started, simply generate an instant quote and request a pre-approval email here.

Typically, we close within 5-10 business days of full file receipt, including an appraisal.

Baselane helps you
find lower rates

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Rental Loan