Long-term financing solutions for single-family and small multifamily rental properties. Stabilize your portfolio with competitive rates and investor-friendly terms.
Rental loans — also known as DSCR (Debt Service Coverage Ratio) loans — provide long-term financing for stabilized income-producing residential rental properties. Unlike conventional mortgages, rental loans are underwritten primarily based on the property’s rental income relative to its debt obligations, rather than the borrower’s personal income. This makes them an ideal solution for real estate investors who hold multiple properties or whose personal income may not reflect the strength of their rental portfolio. Progressive Realty Capital’s rental loan program offers 30-year fixed and adjustable-rate options, enabling investors to lock in long-term financing and maximize cash flow.
Ideal Borrower
Who This Loan Is For
Real estate investors holding single-family rental properties
Investors with small multifamily properties (2-4 units) seeking long-term financing
Borrowers refinancing out of short-term bridge or hard money loans
Investors building a buy-and-hold rental portfolio
Self-employed borrowers or those with complex income structures
Key Benefits
Why Choose This Product
Qualification based on property cash flow (DSCR), not personal income
30-year fixed and ARM options for long-term stability
No personal income verification required on most programs
Competitive rates for stabilized, cash-flowing properties
Available for LLCs, corporations, and other entity types
Scalable — no limit on number of financed properties in most programs
Loan Highlights
Loan-to-Value
Up to 80%
Minimum DSCR
1.0x
Loan Term
30-Year Fixed / ARM
Minimum Loan Amount
$75,000
Property Types
SFR, 2-4 Units, Condos
Entity Types
LLC, Corp, Individual
Ready to Apply?
Our team can issue a term sheet within 48 hours. Start your application today.
