• Reliable Financing for Real Estate Investors

Long Term Rental

Investor-focused financing designed for long-term rental properties. Our DSCR loans provide quick approvals, flexible terms, and a hassle-free process, making it easier to expand your portfolio or refinance your investments. Fill out the form below to take the next step.

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650-200-2304
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Up to
6.625%
Rates From*
85%
LTV
10-14
Day Close
30, 40yr
I/O Option
$100k up to $3M

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Why Choose Our Long-Term Rental Loans?

LiButti Capital’s Long-Term Rental (LTR) loans are crafted specifically for real estate investors seeking to generate stable rental income. Designed for properties with long-term tenants, these loans provide competitive rates, flexible terms, and a simple approval process.

Whether you’re expanding your rental portfolio or refinancing an existing property, our LTR loans ensure you have access to reliable capital to support your investment goals.

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650-200-2304
  • Tailored for Real Estate Investors

Are We a Good Fit?

Our Long-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

Qualifications for Long-Term Rental Lending

  • Experience

First Time Home Buyer Allowed

  • Credit Score

Minimum of 660

  • Liquidity/Reserves

15% down payment with 3 months of reserves.

  • Property Type

Single-family homes (SFR), condos, townhomes, or 2–4 unit residential properties.

  • Loan-to-Value (LTV)

Financing available up to 85% of property value.

  • Additional Requirements

Non-owner-occupied properties, no seasoning requirement, blanket loan options available, and rural properties accepted.

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DSCR Calculator

Debt Service Coverage Ratio (DSCR) is calculated as Monthly Rent divided by Total Expenses (P&I + other expenses).

  • Key Loan Terms for Real Estate Investors

Long-Term Rental Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type
Long Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
15% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
6.625%
Loan-to-Value LTV:
85% LTV | 1.25x DSCR | 740 FICO
80% LTV | 1x DSCR | 680 FICO
75% LTV | 0x to .99x DSCR | 680 FICO
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–8 Units
Loan Amount Min:
$100k
Loan Amount Max:
$3M
Product Specifics:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units
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650-200-2304

Experience Financing Tailored for Long-Term Success

  • Simplified Process: Our easy-to-follow loan process ensures efficiency and transparency.
  • Fast Closings: Avoid delays with our quick and reliable funding process, typically completed within 10–14 days.
  • Investor-Centric Expertise: We understand the unique needs of real estate investors and provide customized solutions.
  • Trustworthy Partnerships: With a focus on integrity and communication, we ensure a stress-free lending experience.
Apply Now
650-200-2304