Rental Property Loans, Cash-Outs & Refinances

Expert Solutions for Rental Property Mortgages

Refinancing Commercial and Residential Investment Properties
Cash Out as fast as 14 days
Flexible Loan Terms, Rates and Durations
Rehab Funds available – ask us how!
Borrow up to 80% LTV (Loan to Value) to purchase or refinance your Investment Property
Fast and simple application with minimal documentation to begin
Your One Stop Shop for: Loans

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Is Your Project a Good Fit for ExpressLends' Rental Property Lender Programs?

Residential Rental Properties: condos, single-families, 2-4 units
Commercial Properties: rentals, multi-families, retail, offices, warehouses and self storage, shopping centers and mixed-use
80% Cash out or 20% Down Payment
Close under an LLC or Corporation
Blanket loans for rental portfolios of 5 or more homes
1st liens with Assets Located in the United States
Foreign investors OK

How ExpressLends' Investment Property Loans Work?

1 | APPLY

Simple and easy loan application
Complete at your convenience
Review with one of our friendly representatives
Get your rate
Finance your next residential or commercial real estate project through our vast lender network of loan programs. Applying for a loan is simple with us. Complete our online application and get a call with loan options with just one click.

2 | STRATEGIZE

Thousands of investors funding loans
Flexible Loan Programs and Hard Money Lending
Quick Closing with No Income Verification needed
Personalized refinancing plan
Develop a personalized refinancing plan with us. We'll provide options like cash-out refinance for your commercial property and refinance solutions for your existing investment property loans, all tailored to fit your unique financial goals.
Programs offered include no income verification, no seasoning on your down payment funds, and no prior experience needed.

3 | FUND

Quick closing and access to funds
Start Collecting rents right away
Move on to your next real estate project
Get funding fast. Conclude the process with ease. We handle all the paperwork, guiding you smoothly to the final step - the disbursement of funds for your specific objectives.

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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Get Your Rental Property Loan Approved Today!

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Your Questions Answered

Can I cash out refi my Rental 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 Rental 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.

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© Copyright 2017 - 2024 ExpressLends
All Rights Reserved. This is not a commitment to lend. ExpressLends' refers commercial, business purpose loans to it's affiliate investor and broker network. Loans are for investment purposes only and not for personal, family, or household use. Loan product availability may be limited in certain States. Rates and programs are subject to change without notice. All loans are subject to borrower underwriting and credit approval, at the investor's sole and absolute discretion. Other restrictions apply. The specific facts and circumstances of each proposed loan transaction impact whether or not ExpressLends' affiliates will be authorized to arrange loans in each applicable State. Void where prohibited.