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Financing

A row of modern, single-story white houses with gray roofs, neatly trimmed lawns, and small trees lines a quiet suburban street under a cloudy sky—perfect for pondering the differences between a business vs personal bank account​.

Standard Length of Mortgage on Rental Property​

Finding the right mortgage term is important in building a successful rental property portfolio. Knowing the standard length of mortgage on a rental property can...

  • 7 Min Read
A two-story house with a sloped red-tiled roof, light-colored upper walls, brick lower walls, large windows, and a small balcony surrounded by greenery—perfect for enjoying the sun and convenient access to HOA bank services​.

What Type of Loan is Best for Rental Property?

Investing in rental property can be a powerful way to build wealth, but securing the right rental property financing is crucial. Your choice of type...

  • 6 Min Read
A woman with pink nails is signing a document on a desk, with a stack of U.S. dollar bills beside her—suggesting an agreement involving hoa bank services. Another person is holding the document for her.

Best Banks and Loan Options for Rental Property Investors in 2025

Securing the right financing is a critical step in building a successful rental property portfolio. As a real estate investor, understanding the various types of...

  • 8 Min Read
A smiling family of four stands outside their house, enjoying time together in the front yard. The parents each hold a young child in their arms, all dressed in colorful clothing—peaceful and content thanks to trusted HOA bank services.

A Guide to Home Equity Loan on a Rental Property

Accessing capital is key to growing your real estate investment portfolio. Many landlords wonder if they can tap into the equity built up in their...

  • 8 Min Read
Two people exchange a stack of U.S. hundred dollar bills over a desk, with documents and an envelope visible, suggesting a financial transaction or discussion related to HOA bank services.

Banks that Offer Home Equity Loans on Rental Property

As a rental property owner, you build valuable equity in your investments over time. Accessing this equity can provide funds for renovations, acquiring new properties,...

  • 7 Min Read
A modern two-story house with pale green siding, white trim, a pink front door, and a double garage stands on a well-kept lawn at dusk—ideal for families seeking comfort and eligible for HOA bank services.

The Investor’s Guide to Single-Family Rental Loans

Keeping tabs on rental property finances isn’t always straightforward. With income, expenses, and maintenance costs constantly in motion, it’s easy to lose track of your...

  • 6 Min Read
A woman uses a power sander on a wooden board while smiling. In the background, a man installs or fixes electrical wiring in a bright room under renovation, perhaps preparing the space to support HOA bank services​ for future residents.

A Guide to Financing Rental Property Renovations

Investing in rental property often involves strategic renovations to boost value and attract quality tenants. However, funding these upgrades can present a unique challenge for...

  • 8 Min Read
A group of people sit around a table discussing documents in a cozy kitchen setting. Two people are smiling and looking at charts, while someone points to the papers. There are glasses of water and a cup of coffee on the table.

How to Get a Loan for Rental Property 2025

To qualify for a rental property loan in 2025, most lenders require a minimum credit score of 680 and a down payment of 15–25%. Interest...

  • 15 Min Read
A row of modern houses with gable roofs under a clear blue sky. The front house features a combination of wood and white siding, while adjacent houses have white exteriors with dark roofs. A small tree and grass are visible in the foreground.

Guide to Mortgage Interest Deduction on Rental Property​

Managing a rental property comes with a host of financial responsibilities—and one of the biggest expenses is mortgage interest. The good news? If you’re renting...

  • 9 Min Read
A row of modern two-story houses with wooden accents and large windows. The homes have dark roofing and are surrounded by greenery and a paved pathway under a clear blue sky.

Airbnb Loans & Mortgage Rules for Rental Property

Nearly half of homeowners (47%) say they would list their home on Airbnb to cover rising mortgage costs, but 40% say their mortgage provider prohibits...

  • 11 Min Read
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© 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.