Reliable Financing for Real Estate Investors

Long-Term Rental Loans

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.

We Close When Others Can’t
5.625%
Lowest Rate*
85%
Max LTV
10-14
Day Close
30, 40 Yr
I/O Option
$75K
Minimum Loan
$5M
Maximum Loan
1-10 Units

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.

Simple Qualifications

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:

Experience

First Time Home Buyer Allowed

Credit Score

Minimum of 640

Liquidity/Reserves

15% down payment

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.

Long-Term Rental Loans

DSCR Calculator

Debt Service Coverage Ratio = monthly rent ÷ total monthly expenses (P&I + other).

Key Loan Terms for Real Estate Investors

Long-Term Rental Loans 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
0-6 mo. Reserves
Prepayment Penalty
Optional
Closing Timeline
10 to 14 Days
Draw Schedule
N/A
Rate
5.625%
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
$5M
Product Specifics
No Ratio Allowed, No Seasoning On Cash Out, Vacant Properties Accepted, Rural Properties Accepted.
Number of Units
1 to 10 Units
Why LiButti

Expert Support for Long Term Rental Lending

  • Effortless Process:We make the loan process clear and straightforward, with fast approvals.
  • Quick Turnarounds:Reliable closings, typically within 10-14 days.
  • Customized Solutions:Options tailored to your specific investment goals.
  • Dependable Expertise:Years of investor-lending experience on your side.
LiButti Capital support