Financiamiento de Inversión a Largo Plazo

30-Year Rental Loans for Buy-and-Hold Investors

Compre o refinancie propiedades de alquiler con tasa fija a largo plazo. Préstamos de $75,000 a $1.5M, hasta 75% LTV. Califique según el flujo de caja — sin W-2, sin declaraciones de impuestos.

Cuando Esté Listo

Simplemente Envíe su Negocio

Sin formularios. Envíenos su propiedad y números — nuestro equipo revisa cada negocio personalmente y le responde con términos en un día hábil.

  • Sin consulta de crédito — revisión preliminar
  • Una persona real revisa cada solicitud
  • Términos en 24 horas, cierre en tan solo 4 semanas

Sin compromiso  ·  Envío gratis

Cotización de Préstamo de Alquiler

Sin verificación de ingresos  ·  Calificación basada en DSCR

Una Mejor Forma de Construir un Portafolio

Crezca Su Portafolio de Alquileres y Aproveche Su Patrimonio

Whether you're a new investor purchasing your first rental or a seasoned veteran with a diversified portfolio, Pimlico Capital is here to help. As a private lender, we close faster than big banks and require far fewer documents.

We underwrite on the property's DSCR — not your personal income — so self-employed investors and full-time landlords qualify easily.

  • No personal income verification required
  • Qualify on property cash flow (DSCR ≥ 1.0x)
  • Loans from $75,000 to $1,500,000
  • Vacant properties allowed (acquisitions & recently rehabbed)
  • Portfolio loans available
  • 1–4 units per property
  • Minimum 660 FICO score
Rental property exterior
30-Year Rental Loan Terms
Interest RateStarting at 6.25%*
Loan Term30-year fixed rate
Max LTV (Purchase)Up to 75% LTV
Max LTV (R&T Refi)Up to 80% LTV
Max LTV (Cash-Out)Up to 75% LTV
Loan Amount$75,000 – $1,500,000
Qualifying MethodDSCR (property cash flow)
Minimum DSCR1.0x
Minimum FICO660
Property Types1–4 unit residential
Close TimeAs fast as 4 weeks
Use Cases

Who Uses Our Rental Loans?

Refinancing Out of Hard Money

You've completed your flip or stabilized a rental. Now refinance into a long-term fixed rate to free up cash and lower your monthly payments.

Purchasing a Turnkey Rental

Ready-to-rent property that cash-flows from day one? Close quickly with our streamlined DSCR purchase loan — no W-2 or tax returns needed.

Cash-Out to Grow

Pull equity from your existing portfolio to fund new acquisitions. Refinance up to 75% LTV and redeploy your capital without selling anything.

Frequently Asked Questions

Rental Loan FAQs

¿Qué es un préstamo DSCR?
DSCR stands for Debt Service Coverage Ratio — it compares the property's rental income to its monthly loan payment. A DSCR of 1.0x means the rent exactly covers the mortgage. We require a minimum 1.0x DSCR to qualify, with no personal income verification needed.
Do I need to show personal income or tax returns?
No. Our rental loans qualify entirely on the property's cash flow. Self-employed investors, full-time landlords, and investors who recently left W-2 employment all qualify.
Can I refinance a property I purchased with a hard money loan?
Absolutely — this is one of the most common scenarios we see. Once your property is stabilized and rented, we can refinance you into a 30-year fixed rate.
Can I finance a vacant property?
Yes. We allow vacant acquisitions, and we also allow vacant properties that were recently rehabbed and not yet leased. In either case, we'll use market rent (from an appraisal or comparable analysis) to calculate the DSCR — no signed lease required at closing.

¿Listo para Crecer su Portafolio de Alquileres?

Envíenos su negocio — nuestro equipo revisa cada solicitud personalmente.

© Pimlico Capital 2025. Todos los derechos reservados.  |  Todos los préstamos están sujetos a evaluación y aprobación. Las tasas pueden cambiar con las condiciones del mercado.