Qualify on Rental Income · No W-2 · No Impact to Credit Score
Investment Property Only • No Impact to Credit Score
By clicking Check My Eligibility, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
By clicking Submit, you are providing express written consent to be contacted by LendingStreet (NMLS #1734316) via SMS, phone call, or email, possibly using automated technology, to the number and email you provided, regarding your loan inquiry (including marketing and customer care messages). If you wish to opt out, reply “STOP” to any text. Text “HELP” for help. Message frequency may vary. Message and data rates may apply. Consent is not required to obtain services. See our Privacy Policy and Terms & Conditions.
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
Direct lenders only offer what's in their own rate sheet. If your deal doesn't fit their box, they decline. LendingStreet routes your deal across 30+ capital partners to find the one with the best rate, highest LTV, and fastest timeline for your specific situation. One application, 30+ possible outcomes.
We don't do owner-occupied mortgages or first-time homebuyer programs. 100% of our focus is business-purpose loans for real estate investors. That specialization means we understand DSCR, LTC, ARV, BRRRR, and portfolio consolidation in ways general mortgage companies don't.
Bridge loans in 5–10 days. Fix & Flip in 7–14 days. DSCR in 21–30 days. We pre-qualify you in minutes with no hard credit pull, and we don't chase W-2s or tax returns on DSCR. When timing matters, we move at the pace of your deal.
10 years serving investors. $4.36B funded across 8,196 closed deals in 48 states — from first-time BRRRR acquisitions to $5M+ commercial portfolios. We've seen your deal before. We know how to structure it.
Contact one of our experienced loan specialists today.