Long Term Rental Investment Mortages & Loans | Host Financial

Long Term Rental Loans

Long Term Rental Loan

Host Financial’s asset-based long term rental program is tailored for the investor that wants to scale their real estate portfolio without worries of being tied down by their Debt-to-Income Ratio. We take an asset-based approach to qualify your loan by looking at the lease or potential market rent of the property instead of your personal income. No W2s, tax returns, or personal income verification means fewer documents for underwriting which results in faster closings. These simple and easy qualifications reduce the barriers to purchase and allows you to scale into multiple properties quickly.

Lending to Individuals, LLCs, Trusts, and Corporations.

To get quoted know your:

  • Market rental rate or tenant lease amount
  • Liquidity
  • Property Value and Purchase Price
  • Average FICO score of all investors involved

Eve Paul

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Director

Host Financial
2020-06-17T12:01:25+00:00

Director

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Larry Lawrence

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General Manager

Host Financial
2020-06-17T12:02:31+00:00

General Manager

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Host Financial

Asset Types

Loan Terms

Loan Size

$100k to $2.5 Million*

* Larger loan sizes available on a case by case basis

LTV Purchases

Up to 75% LTV On Purchase
LTV Refinance
Up to 70% LTV w/ Cash-Out Options Available
Amortization
30 year Amortization Schedule w/ 25 year options available.
Terms
5/1 ARMs, 7/1 ARMs, 10/1 ARMs, and 30 YR Fixed* 

*Interest Only Options Available.

Interest Rates

4.5% to 8% (Covid-19 May Affect Current Rates)

Recourse
Full Recourse. Personal Guarantee required on all owners with 20%+ ownership. 

DSCR Requirement

1.0 or Greater (How is DSCR calculated?)

Vesting

Lending to Individuals, LLCs, Corporations, and Trusts*

* Trusts on case by case basis

Time to Close

21 to 45 days

Get a Quote

We hope that it goes without saying that we want the opportunity to provide you a quote!  It doesn’t take very much time or brain power, and we guarantee it won’t come with a pushy salesman or annoying phone calls while you are eating dinner.  Just a no obligation, no hassle chance to show off our innovative products to our newest customer.  Fill out the form to get started.

Other Loan Products

Fix-N-Flip
New construction loans for real estate investors developers
New Construction
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Short Term Rentals