Income Property Loans, Cash-Outs & Refinances
Expert Solutions for Income Property Financing
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Is Your Project a Good Fit for ExpressLends' Income Property Lender Programs?
How ExpressLends' Income Property Loans Work?
1 | APPLY
2 | STRATEGIZE
Programs offered include no income verification, no seasoning on your down payment funds, and no prior experience needed.
3 | FUND
Access funds. Fund up to 80% loan to value with rehab options available.
See what our clients are saying...
“I recently completed my refinance and I’m extremely pleased with the outcome. It was one of the smoothest transactions I’ve ever experienced. The process was straightforward and hassle-free, without unnecessary expenses. What stood out most was the affordability of the closing costs, which were significantly lower compared to other lenders I had considered – almost half, in fact.”
Robert G. in Los-Angeles CA
“I did my homework comparing ExpressLends’ rates and estimated closing costs with other lenders, and honestly, they’re top-notch! If you’re looking to buy or refinance a home, I can’t recommend ExpressLends enough. They really stand out in the market!”
Terrence J. in Roosevelt NY
“I recently refinanced my four-unit property and my experience with ExpressLends was outstandingly smooth. Unlike other lenders where the process tends to drag on, this was quick and efficient. Nicole played a crucial role, being incredibly helpful and proactive in advancing me to each subsequent step. I’m particularly grateful for the favorable rate and the minimal costs involved.”
Elena T. in West Palm Beach FL
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Your Questions Answered
Can I cash out refi my investment property while it's under renovation?
Yes, we offer flexible solutions for various scenarios, including properties under renovation.
What are the rates for refinanceing an investment property mortgage?
Rates vary based on several factors. Contact us for a personalized quote.
How long does the refinancing process take?
In Some Cases as Fast as 14 days. Typically, refinancing takes between 30 to 45 days, depending on various factors.
Will I qualify for cash-out refinancing?
Eligibility depends on your current equity, credit score, and other financial factors. Contact us for a personalized assessment.
Are there any upfront costs?
We maintain transparency about any fees or costs involved. These will be clearly outlined in your refinancing options.
What is a rental property loan?
Rental Property Loan is a loan that is designed for real estate investors. It does not require personal income verification. We are using the properties’ projected rental income to qualify instead. As long as the rental property’s projected monthly rental income is higher than the mortgage payment, you will qualify. Many of our clients use this program for investments into vacation homes and short-term rentals such as AirBnB
Is my credit score a factor in getting approved?
When applying for a Rental Property loan, we do consider your credit score. However, these programs are more lenient compared to traditional loans, allowing for credit scores as low as 660 at times. Provided your rental income covers the mortgage, we are able to lend you the necessary funds for purchasing a rental property.
What kind of loan terms do you offer?
Rental Property loans are available in various terms, offering a highly flexible program to help you secure the payment structure you need. Options include a 5-Year Adjustable Rate Mortgage, which offers the best interest rates. For those seeking longer terms, we also provide a 7-Year Adjustable Rate Mortgage and a 30-Year Fixed Rate option. Additionally, we cater to borrowers who prefer interest-only payments, allowing you to maintain the lowest possible monthly payments.
