Rental Property
Financing
Flexible financing for rental portfolios. Loans from $75K–$50MM, underwritten on property cash flow. No personal income verification required.
- Underwritten on property cash flow (DSCR), not personal income
- No personal tax returns or W-2s required
- 20-30% down payment options available
- Loans from single-family to 100+ unit complexes
- Portfolio lending available
- Portfolio & cash-out options
- Up to 30-year amortization
Financing your Rental Property, built around the property
Business-purpose financing underwritten on the property’s cash flow — not your tax returns. Owner-occupied commercial is eligible; primary residences are not.
Qualify on the property
Approval based on the property’s rental income — not personal income or W-2s.
$75K to $50MM
Up to 75% LTV, from a single asset to a large portfolio.
Closes under 3 weeks
Minimal paperwork; 3, 8 & 30-year fixed terms, no balloons.
40+ states, 25+ years
An established commercial lender funding investment property across 40+ states.
Turned down elsewhere? We consider files from a 500 FICO — vs. the 620–680 most lenders require — because the property carries the loan. First-time investors welcome.
*98% loan approval rating reflects historical performance; subject to underwriting and not guaranteed. Call (855) 848-2862.
Why Rental Property Financing Matters
Building a rental portfolio requires flexible financing that understands investor economics. Traditional lenders focus on personal income and credit scores. We focus on what matters: the property's cash flow and your deal.
Cash Flow Underwriting
We qualify on the property's rental income and DSCR, not your personal tax returns. Shows your true investment potential.
Portfolio Flexibility
Hold multiple properties in one portfolio. Build your rental business without refinancing across different lenders.
Competitive Rates
Rental properties generate income. We price aggressively for stabilized, performing rental assets.
Faster Underwriting
With cash flow focus, we close faster. Often in 5-10 days with clear documentation.
Tax-Deferred Strategies
1031 exchanges, Delaware Statutory Trusts (DST), and other tax-deferred rental strategies supported.
Portfolio Financing
Finance multiple rental doors under one loan with flexible, cash-flow-based terms.
Rental Property Types We Finance
From first-time landlords to experienced investors, we finance every type of rental property. Whether you're building a portfolio or expanding existing holdings, we have flexible solutions tailored to your investment strategy.
Rental Property Metrics You Should Know
DSCR
Debt Service Coverage Ratio — Property NOI divided by annual debt payment. We qualify deals from a 1.0 DSCR, and stronger coverage earns better pricing.
Cap Rate
Capitalization Rate — NOI divided by property value. Higher cap rates = more cash flow. Target 5-8% in most markets.
CoC ROI
Cash-on-Cash Return — Annual cash flow divided by cash invested. Track your actual returns, not appreciation.
LTV
Loan-to-Value — Loan amount divided by property value. We finance up to 75% LTV depending on property type.
Occupancy Rate
Percentage of units occupied. Stabilized, well-occupied rentals present the strongest case at underwriting.
Management Fees
Property management as % of rent. Factor 8-12% for single-family, 5-8% for multifamily.
Ready to analyze your rental property investment potential?
Common Rental Property Questions
Simple Financing Process
From application to funding in as little as 5-10 days. Our streamlined process focuses on your property's cash flow, not personal tax returns.
Apply Online
Submit your property details and financial information through our simple online application.
Property Review
We analyze the property documents, lease agreements, and rental income to assess cash flow.
Pre-Qualification
Receive a preliminary loan amount and terms within 24-48 hours of application submission.
Full Underwriting
Our team conducts full property and borrower underwriting with appraisal and verification.
Loan Approval
Receive final approval with clear loan terms, rate, and closing timeline commitment.
Close & Fund
Close at your convenience. Funds transfer within 1-2 days for seamless acquisition.
Average Close Time
Loan Approval Rate
Pre-Qualification Time
Why Investors Choose New City Financial
We're built differently. Our platform prioritizes rental cash flow, portfolio growth, and investor success over bureaucratic red tape.
Cash Flow Focused Underwriting
- DSCR-based qualification
- No personal income required
- Portfolio approach
- Minimum 500+ credit score
Competitive Loan Terms
- Loans from $75K–$50MM
- Fixed rates up to 30 years
- No balloon payments
- 75% LTV on qualified properties
Fast Closing Process
- 5-10 day average close
- Digital application
- E-signature closing
- Instant fund transfer
Investor-Friendly Features
- No personal income verification
- No W-2s required
- No tax return analysis
- Property-focused underwriting
Expert Support
- Dedicated loan officers
- Market analysis
- Investment resources
- Portfolio management guidance
98%+ Approval Rate
- Property-focused underwriting
- Flexible qualification
- Work with borrowers
- Customized solutions
Investor Success Stories
Real investors, real properties, real results. See how rental property investors are building wealth with our financing solutions.
Rental Investment Resources
Education and tools to help you make informed investment decisions. From beginner guides to advanced strategies, we've got resources for every investor level.
DSCR Calculation
Learn how Debt Service Coverage Ratio works and calculate your property's DSCR instantly.
Learn More →Cap Rate Analysis
Calculate capitalization rate to evaluate rental property investment returns accurately.
Learn More →Cash Flow Calculator
Estimate rental income, expenses, and net monthly cash flow for your investment properties.
Learn More →DSCR Loan Program
Qualify on the property’s rental cash flow — no personal tax returns required.
Learn More →Financing Strategies Guide
Compare DSCR loans, portfolio financing, and portfolio and cash-out strategies for your investment goals.
Learn More →Get Pre-Qualified
Check your rate in about 5 minutes — a soft inquiry with no obligation.
Learn More →Ready to Finance Your Next Rental?
Get pre-qualified in minutes. No personal tax returns required.