• 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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Long Term New Img 1 (1)
Up to
5.375%
Rates From*
85%
LTV
10-14
Day Close
30, 40yr
I/O Option
$75k up to $30M

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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.

Get Pricing
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 640

  • Liquidity/Reserves

15% down payment with 3 months of reserves.

  • Property Type

Single-family homes (SFR), condos, townhomes, or 2–10 unit residential properties.

  • Loan-to-Value (LTV)

Financing available up to 85% of property value.

  • Additional Requirements

No Ratio Allowed, No Seasoning On Cash Out, Vacant Properties Accepted, 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 | First Time Homebuyer Ok
Minimum Credit Score:
640
Liquidity:
15% Down
Reserves:
3mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
Rate:
5.375%
Loan-to-Value LTV:
85%
Loan-to-Cost (LTC):
N/A
Loan Term:
30, 40 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–10 Units
Loan Amount Min:
$75k
Loan Amount Max:
$30M
Product Specifics:
No Ratio Allowed, No Seasoning On Cash Out, Vacant Properties Accepted, Rural Properties Accepted.
Number of Units:
1 to 10 Units
Get Pricing
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