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Rental Property Investor Financing loans help real estate investors grow their portfolio.
Arc Home’s Rental Property Investor Financing uses the cash flow generated from the property to qualify for a mortgage.
This program is ideal for real estate investors requiring no tax returns or employment documentation.
- Qualify based on current or expected rental income
- Available for Cash Out Refinance, Rate and Term Refinance or Purchase
- Condos and Short-Term Rentals (Airbnb/VRBO) allowed
- 1–4-unit properties
- Title vesting permitted in LLC
- Interest only options available designed to maximum property cash-flow and increase borrowing limits
- Loans up to $2.5 million
- Borrow up to 75% of the value of the property
- Credit score as low as 680
- No prior property rental history required
Frequently Asked Questions:
1. How do I qualify for rental property financing?
Through Arc Home’s DSCR loan program, eligible borrowers can use rental income to qualify for the loan. Tax returns and employment income are not required. The estimated or current monthly rent must be at least 75% of the appraised value.
2. How do I provide proof of estimated or current rental income?
Executed lease agreements or rent schedules will be required. Rent loss coverage may be required. Additional documentation may be required for short-term rental properties (Airbnb/VRBO).
3. Who can qualify for a DSCR mortgage?
Our DSCR loan program is an ideal option for investors looking to purchase or refinance a home using the rental income as a means of qualifying for the mortgage. Unlike a traditional mortgage, DSCR mortgages do not require proof of tax returns, bank statements or paycheck stubs.
Our Products
Alternative Income
Alternative Income loans help self-employed borrowers qualify for a mortgage without tax returns.
Traditional
Whether you’re looking to buy or refinance your primary property or vacation property, we have options to fit your needs.
Clean Slate
Clean Slate program helps individuals who have had credit challenges, bankruptcy, or recent foreclosures.
