ExpressLends
Accepting New Applications
⚡ Better Rates No Income Docs Required

Rental Property
Refinance

Lower your rate. Improve your terms. Refinance your rental property - fast. No personal income verification. No tax returns. Qualify on rental income alone.
✓
Up to 80% LTV
✓
No Income Verification
✓
Close in 14 Days
✓
LLC Closing OK
✓
600+ FICO
✓
Loans Up to $5M
Get My Free Rate Quote ➔
★★★★★Trusted by 12,897+ real estate investors nationwide

Get Your Rate Quote Now!

We respect your privacy and have ZERO TOLERANCE for spam

We will not spam, rent or sell your information

🏦
Residential & Commercial
🇺🇸
All 50 States
🌍
Foreign Investors OK
⚡
Close in 14 Days
📋
No Tax Returns Required
80%
Max LTV Refinance
14
Day Closing Possible
$5M
Max Loan Amount
600
Min FICO Score
12K+
Investors Served
Is Your Property Eligible?

We Refinance Nearly Every Rental Property Type

From single-family rentals to multi-family buildings - if it generates rental income we can likely help you refinance it.

🏠
Single Family Rentals Condos, SFR, townhomes for long or short-term rental income.
🏘️
2-4 Unit Residential Duplexes, triplexes, quadplexes — qualify on rental income.
🏢
Multi-Family 5+ Units Apartment buildings, mixed-use and larger residential portfolios.
🏪
Retail & Commercial Office buildings, retail strips, warehouses and self-storage.
🏗️
Renovation Properties Even mid-rehab — flexible solutions for properties under renovation.
📦
Portfolio Blanket Loans Own 5+ rentals? Bundle them into one blanket loan.
How It Works

Three Steps to a Better Rental Rate

No long bank process. No W2s. No headaches. Fast refinancing built for rental property investors.

1

Apply

Fill out our simple online form. One application, zero cost, zero obligation.

✓ Takes under 60 seconds
✓ No credit pull to start
✓ Immediate response
2

Strategize

We match your property to the best rental property refinance program from our lender network.

✓ Personalized rate options
✓ DSCR and non-DSCR programs
✓ 30-year fixed available
3

Close

We handle the paperwork. You close with a better rate and more monthly cash flow.

✓ Close under LLC or Corp
✓ As fast as 14 days
✓ Funds wired directly
Real Investor Experiences

What Our Clients Say

★★★★★

"One of the smoothest transactions I've ever experienced. Closing costs were almost half compared to other lenders I considered."

RG
Robert G.
Los Angeles, CA
★★★★★

"I did my homework comparing rates — they're top-notch. If you're looking to refinance an investment property, ExpressLends really stands out."

TJ
Terrence J.
Roosevelt, NY
★★★★★

"Refinanced my four-unit and the process was outstandingly smooth. Quick, efficient, and the rate was very favorable with minimal costs."

ET
Elena T.
West Palm Beach, FL
Common Questions

Rental Property Refinance FAQ

We offer rate and term refinances cash-out refinances and DSCR refinances. All programs are designed for rental properties including single-family rentals duplexes and multi-family buildings.

No. Our programs qualify based on the rental income using DSCR - not your W2 or tax returns. If the rent covers the mortgage you're in the game.

Yes. We support closing under LLCs and corporations — a key advantage for investors who hold properties in business entities.

Most programs require a minimum FICO of 660-680. These are investor-focused guidelines, not conventional lending standards.

Yes. Our cash-out refinance programs allow you to access up to 80% LTV on rental properties. Lower your rate AND pull equity at the same time.

As fast as 14 days in some cases. Typical timelines are 30-45 days depending on property type and documentation.

Ready for a Better Rental Rate?

Get Your Free Rental Property Refinance Quote
in 60 Seconds

No obligation. No credit pull. Just fast answers on your rental property refinance options.

Get My Free Rate Quote →