FIDELITY FUNDING (877) 300-3007

Rental Property Loans

Building a portfolio of rental properties requires stable, predictable debt. Our rental property loans are designed to give you peace of mind while maximizing your cash flow. We offer financing for single assets as well as blanket loans for multiple properties.

With flexible underwriting that doesn't rely on your personal tax returns, we make it easy to acquire new rentals or pull cash out of your existing portfolio to fuel your next acquisition.

Key Facts

  • Loan Amount: $75K - $5M+
  • Terms: 30-Year Fixed, 5/1 ARM, 7/1 ARM
  • Max LTV: Up to 80%
  • Portfolio Loans: Available
  • Buy-and-hold investors
  • Investors looking to consolidate multiple loans
  • Borrowers seeking cash-out refinances
  • Landlords seeking 30-year fixed stability

Frequently Asked Questions

What is a portfolio loan?

A single loan that covers multiple properties, simplifying your payments and often reducing overall fees.

Can I do a cash-out refinance on a rental?

Yes, cash-out refinances up to 75% LTV are very common for our rental investors.

Do you require minimum reserves?

Yes, we typically like to see 3-6 months of PITIA reserves for the subject property.

Are interest-only options available?

Yes, we offer 10-year interest-only options that eventually convert to a 20-year amortization schedule.

Does the property have to be in an LLC?

We prefer LLCs for investment loans, but we can lend to individuals in some scenarios.

Get a California Term Sheet Today

Fidelity Funding Corp · Direct California private money lender since 2006

(877) 300-3007

450 N Brand Blvd, 6th Floor · Glendale, CA 91203 · Mon-Fri 8AM-6PM PT

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