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Find Your Perfect Financing

Financing for Every Type
of Rental Property Investor

From first-time buyers to experienced portfolio builders. Conventional loans, DSCR financing, and bridge loans from top lenders.

First-Time Friendly
No Income Verification Options
Fast Approvals

Disclosure: We may earn a commission if you choose one of these lenders. This helps keep our calculator free for everyone.

First Investment Property?

Start with Conventional Financing

Best rates and terms for investors with W-2 income and good credit scores

⭐ MOST POPULAR FOR BEGINNERS
🚀

Rocket Mortgage

4.8
15,000+ reviews

America's largest online mortgage lender. Perfect for first-time rental property investors seeking conventional financing.

Fast online approvals
Competitive rates
Investment property loans
15-25% down payment
Excellent for good credit scores
Purchase and refinance options
Digital application process
Nationwide lending
Transparent pricing

Best For

First-time investors with W-2 income

Loan Types

Conventional investment loans

Free to apply • No obligation

💻

Better.com

4.6
8,500+ reviews

Tech-forward mortgage lender offering investment property loans with a streamlined digital experience.

Quick pre-approval
Low fees
Investment properties
Modern online platform
Competitive rates
Investment property specialists
Quick closing process
Excellent customer service
Multiple property types

Best For

Tech-savvy investors seeking convenience

Loan Types

Conventional & FHA loans

Free to apply • No obligation

Building a Portfolio?

DSCR & Portfolio Lenders

No income verification required. Perfect for self-employed investors and portfolio builders.

⭐ TOP CHOICE FOR PORTFOLIO INVESTORS
🏦

Lima One Capital

4.8
2,400+ reviews

Industry-leading DSCR loans with no income verification. Perfect for experienced investors building their portfolio.

No tax returns or W2s needed
Up to 80% LTV available
Close in as little as 14 days
Purchase and refinance options
Single-family to 4-unit properties
Self-employed friendly
Nationwide lending
Portfolio loan options
Experienced investor focus

Best For

Portfolio builders & self-employed investors

Loan Types

DSCR loans (no income verification)

No income docs required

🏢

LoanDepot

4.5
12,000+ reviews

Major national lender offering both conventional and portfolio loan options for serious real estate investors.

Portfolio loan options
Multiple property financing
Experienced with investors
Conventional investment loans
Portfolio loan programs
Multiple property financing
Jumbo loan options
Commercial property loans
Experienced loan officers

Best For

Investors with multiple properties

Loan Types

Conventional & portfolio loans

No income docs required

Fix-and-Flip?

Bridge & Hard Money Lenders

Fast funding for value-add deals, fix-and-flip, and BRRRR strategies

🏗️

Groundfloor

4.6
1,800+ reviews

Fast bridge loans for fix-and-flip and BRRRR strategy investors. Quick funding for value-add deals.

Funding in 10 business days
Up to 90% LTV available
Perfect for value-add deals
Fix-and-flip financing
Bridge loans available
Flexible terms
Rehab budget included
Fast approval process
Construction draws

Best For

Fix-and-flip & BRRRR investors

Loan Types

Hard money & bridge loans

Fast funding • Flexible terms

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