Long Term Rental
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Vertical Hard Money > Long Term Rental
Long-Term Rental Loan
Long-term rental property loans in Arizona are primarily designed for real estate investors seeking financing for residential properties (e.g., single-family homes, condos, or 2-4 unit multifamily) intended for long-term leases (typically 12+ months). These loans focus on the property’s rental income potential rather than the borrower’s personal income, making them accessible for investors with strong portfolios but irregular W-2s.
The most common type is the DSCR (Debt Service Coverage Ratio) loan, where qualification is based on the ratio of gross rental income to debt payments.
15-20%
Down payment
6.0%-8.0%
Interest rate
30 Years
Fully amortized
DSCR Loan
Qualify on rental income only!
DSCR
As long you break even on the property, we can help you get as many loans as you like! This allows us to focus solely on credit and liquidity.
Program highlights:
- Low-Interest Rates Available
- Receive Personalized Support Every Step
- Flexible Loan Terms Tailored to You
- Wide Variety of Loan Options
- Enjoy Tax Benefits on Loans
- Trusted Support You Can Rely On
- Quick and Easy Loan Approval Process
- Loans Designed to Fit Your Needs
- Hassle-Free Loan Application Experience
- Expert Guidance Throughout Your Journey
Why people choose VHM
No Experience required
You don’t need to be a professional investor to qualify for our loans. We don’t require Tax Returns and we accept credit scores as low as 640.
Fast 05-21-day closing times
Get underwriter approval in 48 hours and your deal funded in 05-21 days.
Interest rates for long-term rentals starting as low as 6.0%-7.0% average
Fixed Rates mean you’ll have more predictability when it comes to your profit.
Private Money Available
Conventional loans can offer up to 70% - 75% Loan to Value. Private Money can got to 85% LTV
We build trust with our clients through communication and results. When you succeed, we have done our job!
