Single Family Rental Loan Program

Long-Term Financing for Your Rental Property Portfolio Flexible Terms with Up to 80% LTV

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What to Expect

Single Family Rental Financing at a Glance

Loan Amounts

$75,000 - $2,000,000

Multiple Term Options

30-year Fixed or ARM Programs

Maximum LTV

Up to 80% LTV for Strong FICO Borrowers

IO Option

Interest-Only Options Available

Fix and Flip 101

What are Single Family Rental Loans?

Single family rental loans are specialized mortgage products designed for investors purchasing or refinancing 1-4 unit residential rental properties. These loans focus on the property's rental income potential and offer flexible terms to help investors build and maintain their rental portfolios.

How do Single Family Rental Loans Work?

These loans qualify based on the property's debt service coverage ratio (DSCR), comparing rental income to monthly expenses. With options for both purchase and refinance, including cash-out opportunities, these loans provide the flexibility needed for long-term rental property investment. The program offers multiple term options, including 30-year fixed rate mortgages and adjustable-rate options with interest-only periods.

Benefits of Getting a Single Family Rental Loan Through Joseph Capital Network

Flexible Loan Structure

Choose from multiple loan options including 30-year fixed rate mortgages or adjustable-rate terms with 5, 7, or 10-year fixed periods. Interest-only options available to help maximize cash flow during the initial years.

Portfolio-Friendly Terms

Finance single properties up to $2,000,000 with options for multiple properties. Our program accommodates both individual properties and small portfolios, with terms designed for long-term investment success.

Competitive LTV Options

Access up to 80% LTV for well-qualified borrowers, with options varying based on credit score and transaction type. Cash-out refinancing available up to 75% LTV for existing rental properties.

Streamlined Process

Simple qualification process focusing on property performance rather than complex income documentation. Quick closings with straightforward requirements for both experienced and first-time rental property investors.

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Minimum Requirements to Qualify

Our single family rental loan program is designed for investors looking to build their rental property portfolios. Basic requirements include:

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- Minimum credit score requirements based on LTV

- Property must be non-owner occupied

- Minimum DSCR of 1.0x

- Clean credit history for past 3 years

- Property in approved location

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Understanding Single Family Rental Loan Requirements

Success in fix and flip projects requires more than just meeting minimum qualifications. We evaluate each application based on

Project Viability

The property's potential for value appreciation after improvements

Market Analysis

Local real estate trends and comparable sales

Experience Level

While we welcome first-time flippers with solid plans, experience can qualify you for better terms

If you meet these minimum requirements, you will then need to meet a plethora of additional financing and industry-based requirements that will be based on the size of the loan along with the intended use of the loan.