Financing For Real Estate Investors
Long Term Rental
Investor-focused financing for long-term rental properties is what Investa Funding delivers. Our long-term rental loans emphasize property cash flow, offering flexible terms and an efficient approval process to support portfolio growth or refinancing. With a streamlined, investor-friendly approach, we make it easier to build and scale rental income. Complete the form below to get started.
UP TO
85%
LTV
10-24
DAY CLOSE
30,40yr
I/O OPTION
$75K up to $5M
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Fix & Flip
Why Choose Our Long-Term Rental Loans?
Long-term rental loans are designed for real estate investors seeking stable, recurring rental income. Built around property performance rather than personal income, these loans provide competitive rates, flexible terms, and simplified approvals. Whether you’re acquiring new rentals or refinancing existing properties, our long-term rental loans offer reliable capital to support sustainable portfolio growth.
DSCR Calculator
Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).
Flexible Options Built Around Your Needs
Are We A Good Fit?
Our long-term rental loans, structured as cash-flow-based financing, are ideal for investors focused on steady rental income. To qualify, you’ll need:
Experience
First time investor allowed
Credit Score
Minimum of 640.
Liquidity/Reserves
20% down payment with 6 months of reserves.
Property Type
SFR, Condo, Townhome, 1–8 Units
Additional Requirements
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Get Started
Apply Now
Begin your Journey today!
Key Loan Terms for Real Estate Investors
Long-Term Loan Highlights
Transparent and Investor-Focused Loan Terms
Product Type
Long Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
640
Liquidity:
20% Down
Reserves:
6 mo. Reserves
Prepayment Penalty:
Optional
Closing Timeline:
10 to 14 Days
Draw Schedule:
N/A
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:
Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 8 Units
Your Partner 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.
Where We Lend
States We Lend In
Looking for financing in a state not listed? We lend in additional states on a case-by-case basis. Contact us to discuss your deal and available options.
Meet The Leader
Fast. Flexible. Funded.
Investa Funding was built from firsthand experience, not theory. As a South Florida real estate investor, I’ve been on both sides of the table: evaluating deals, moving under tight timelines, and dealing with lenders who couldn’t execute when it mattered most.
That experience shaped a clear philosophy: investor financing should be fast, direct, and built around the asset, not unnecessary red tape. This platform was created to deliver reliable hard money and short-term capital for acquisitions, renovations, and bridge scenarios, with a focus on speed, clarity, and execution.
This isn’t transactional lending. It’s a long-term, investor-first approach built by someone who understands the market, the risks, and the importance of getting deals done right.
Fast closings. Minimal red tape. Maximum results.
I’ve worked with multiple lenders over the years, and this was by far the smoothest process. Clear communication, no surprises, and they moved quickly when timing mattered. Highly recommend for serious investors.
Traditional banks couldn’t make sense of my rental income. These guys actually understand investors. They closed my DSCR loan fast, no headaches, and the terms were exactly what they promised. I’m already lining up my next deal.
I felt confident from the first call. They explained the numbers clearly, respected my time, and delivered exactly what they said they would. If you’re investing in real estate, this is the kind of lender you want on your side.
