Long-Term Rental Loans
We help you finance single-family rentals and small multi-family properties with traditional 6-12 month lease terms. Perfect for buy-and-hold investors building stable, predictable cash flow.
Program Features
Basic Requirements
- Minimum DSCR of 1.0
- Minimum credit score of 660
- Property must be rent-ready
- 6+ months reserves required
Why Choose 2LethalCapital
We've designed our loan programs with real estate investors in mind.
Fast Closing Connections
Our streamlined process connects you with lenders who can get you from application to funding faster than traditional lenders.
No Income Verification
The lenders we work with offer DSCR loans that qualify based on property cash flow, not your personal income or tax returns.
Entity Borrowing
We connect you with lenders who allow you to borrow through your LLC or corporation to protect personal assets and simplify portfolio management.
30-Year Fixed Terms
We connect you with lenders who offer 30-year fixed terms, allowing you to lock in your rate with no balloon payments for predictable, long-term planning.
Unique Properties
We work with lenders who can underwrite properties with ADUs, on septic, rural locations, and other unique characteristics.
Dedicated Support
Work with an experienced dedicated team that understands real estate investing.
Frequently Asked Questions
Get answers to common questions about our DSCR loan programs.
A DSCR (Debt Service Coverage Ratio) loan is a type of investment property loan that qualifies borrowers based on the property's rental income rather than personal income. If the property's rental income covers the mortgage payment, you can qualify regardless of your personal income or employment status.
The lenders we work with require a minimum DSCR of 1.0, meaning the property's rental income must at least equal the mortgage payment. Higher DSCR ratios may qualify for better rates and terms.
Yes! We connect you with lenders who encourage entity borrowing. You can borrow through your LLC, corporation, or other business entity, which helps protect your personal assets and simplifies portfolio management.
For long-term rental loans, the lenders we work with require a minimum credit score of 660. For short-term rental loans, the minimum is 680. Higher credit scores may qualify for better rates.
Our network of lenders has an average closing time of 30 days from a complete application. For straightforward deals with responsive borrowers, we can often help you close faster.
Yes, we connect you with lenders who offer cash-out refinancing up to 75% LTV. This is a great way to access equity in your existing properties to fund new acquisitions.