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Rental Program

Rental Investment Loan Program – 30-Year Rental Property Loans

Competitive Rates on Rental Loans | Long-Term Rental Loan | Best 30-Year Refinance Rates | Best Cash-Out Refinance Lender

Get Your Rental Program Approved Today!

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Rental Property Loan

Rates starting at 4.5% | Up to 75% LTV | 30 Year Term | Business Purpose Loans Only | Short term rental income permitted (Airbnb or similar service)

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QUALIFICATION

  • 650 Minimum FICO Score
  • 6 Months of Cash Reserves
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LOAN TERMS

  • $75,000 Minimum Property Value
  • Up to 30 Year loan term
  • Amortization Options: 30 Year Fixed, Hybrid
  • ARMS (3/1, 5/1, 7/1, 10/1), and Interest-Only (Up to 5 Years)
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REQUIRED DOCUMENTATION

  • Application
  • 2 Months of bank statements
  • Corporate documents
  • Amortization Options: 30 Year Fixed, Hybrid, ARMS (3/1, 5/1, 7/1, 10/1), and Interest-Only (Up to 5 Years)

MAX LEVERAGE

  • Purchase: Up to 75% of as-is value or
  • Refinance: Up to 75% of as-is value
  • Cash-out: Up to 70% of as-is value

ELIGIBLE PROPERTIES

  • 1-4 Family Real Estate
  • Condos
  • Townhomes
  • Planned Unit Developments (PUD)
  • Portfolio Loan Options Available

PRICING

  • Rates starting at 4.5%
  • $50,000 Minimum Loan Amount
  • $3,000,000 Maximum Loan Amount (2-4 Units)

Extremely competitive rates starting in the low 4’s | We are a nationwide lender

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What We Offer

GROUND UP CONSTRUCTION PROGRAM-90% LTC*

  • Up to 90% LTC, 70% LTARV, Not to exceed 75% of the acquisition cost
  • Up to 100% of construction
  • Rates starting at 7.99%
  • 12 / 18 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • Experienced developers only
  • LTV / LTC Rate and point are based on asset type, experience, and market data

FIX AND FLIP (NO INTEREST ON REHAB HOLDBACK) 90% LTC*

  • Up to 90% LTC
  • Up to 100% of rehab cost, not to exceed 80% of ARV
  • Rates starting at 6.50%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • LTV / LTC Rate and point are based on asset type, experience, and market data

RENTAL PROGRAM

  • Up to 75% LTV
  • Rates starting at 4.5%
  • 30 Year Term
  • Business Purpose Loans Only
  • Short term rental income permitted (Airbnb or similar service)

CASH OUT & RE-FINANCE

  • 70% to 75% LTV
  • Rates starting at 7.99%
  • 12 Months Term
  • Loan extensions available
  • No Pre-Payment Penalty
  • Business Purpose Loans Only
  • The reason for cash-out and the exit strategy will be underwritten thoroughly

Sunset Equity is a boutique direct private money lender based in Los Angeles

We have been in business since 2005 helping investors build their wealth through our individually customized loan products for fix and flip and ground up construction. Unlike others, we do not have a one size fits all box and can be very creative to customize a loan scenario to exceed your expectations. Our business is 90% repeat and referral basis, and we would love the opportunity to add you to our exclusive roster.

Fund Your Rental Property With a 30-Year Rental Loan

We understand the market and can provide 30 Year Rental Program for projects where other lenders may not recognize the profit potential. We keep the process streamlined and make financial decisions based on the merits of the deal, Get your long-term rental with minimal documentation.

Long term rental property loan

Get your long term rental property loanswith minimal documentation today!

Do you see an investment property that you want to get into quickly? Perfect! Our real estate loans enable our investors to purchase investment property without proof of income through bank statements or tax returns. Instead, we look at the property’s value or the property’s rental income. The property types include single-family homes, 2-4 units, condominiums, and townhomes.

Rental Property Financing Your Buy Rehab & Rent Strategy Deserves.

Asset Based Lending is proud to offer term rental loans for real estate investors. These loans provide funding for buy and hold investors that want to start or expand their rental investment portfolio. After a decade as the most reliable hard money lender in the country, ABL has expanded into long term rental financing for 1-4 family properties.

We are hard money lenders for rental properties and have full control of our finances and do all loan underwriting and processing in-house, allowing us to provide flexible loans with highly competitive rates and leverage. Our rates start as low as 4.5% Up to 75% LTV, Rates starting at 4.5%, 30 Year Term, Business Purpose Loans Only, Short term rental income permitted (Airbnb or similar service).

30 -year mortgage

The main advantage of a 30 -year mortgage over a 15 -year loan is that you don’t have to keep paying monthly payments. Next, it will help you spend more money in the short amount of time that you need when buying various investment properties or renovating an existing property.

Another advantage of a 30 -year mortgage is that if you choose to buy more than one investment property, it will be easier for you to qualify for other loans. An important factor in getting a mortgage approved is the debt-to-income ratio, which is calculated by taking your monthly debt and dividing that number by your monthly income. If I exceed this quota, chances are you will qualify.

Mortgage payment every month by higher loan 15 years will limit the cash flow you – and the person who gives the debt may not be able to receive, even if you can show that you have rental income to pay higher.

if you spend more money on interest. But if this is spending money to invest elsewhere, it can be useful, especially if you can get a competitive interest rate.

Our Rental Lending Experts are Here to Help

Competitive Rates on Rental Loans

We beat any LOI Don’t get stuck in high rates

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