Qualify on Rental Income · No W-2 · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
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A loan specialist will contact you within 1 business day with your financing options.
Our long-term rental loan program gives real estate investors stable, 30-year financing without the income documentation headaches of conventional lending. Qualification is based on the property's rental income and DSCR — not your W-2 or tax return situation.
Whether you're acquiring your first rental or adding to a large portfolio, our lender network offers competitive rates, flexible terms, and a streamlined process that gets you funded fast.
Get My Rental Loan Options →Stable 30-year financing for buy-and-hold rental investors
I've been buying rentals for 12 years. LendingStreet's DSCR rental program is the only one that lets me scale without my accountant's write-offs hurting my approval.
30-year term at a rate competitive with conventional — but no W-2, no hassle. Closed my duplex in 19 days. Easy process, great team.
Used LendingStreet to refinance 3 rentals in one year. The cash-out proceeds funded two more acquisitions. This program changed how I grow my portfolio.
Fill out our online form with basic information. Get approval status within 48 hours. No hard credit pull required.
Use our secure digital platform to submit your property details and documents. Fast, simple, and fully paperless.
Receive your loan offer with competitive rates and terms. Funds deposited directly to your account — as fast as 5 business days.
See your monthly cash flow, DSCR, and annual ROI before you apply — no sign-up, no credit pull, takes 30 seconds.
Monthly & Annual Analysis · No Sign-Up Needed
Pre-approvals in 48 hours. Our lender network moves at the pace your deal requires — funding as fast as 5–7 business days.
Our infrastructure keeps rates and fees 25–50% lower than most competitors — for every investor level, credit tier, and deal size.
End-to-end from application to funding is smooth, transparent, and stress-free. No unnecessary paperwork. No runaround.
Over a decade serving real estate investors. Thousands of funded deals. Our lender relationships are unmatched.
Contact one of our experienced loan specialists today.