Long-Term Investment Financing

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

Purchase or refinance rental properties with a long-term fixed rate.  Loans from $75,000 to $1.5M, up to 75% LTV. Qualify on property cash flow — no W-2, no tax returns.

Ready When You Are

Just Submit a Deal

Skip the forms. Send us your property and numbers — our team reviews every deal personally and gets back to you with terms within one business day.

  • No credit pull for initial review
  • Real human reviews every submission
  • Terms in 24 hours, close in as little as 4 weeks

No obligation  ·  Free to submit

A Better Way to Build a Portfolio

Grow Your Rental Portfolio & Leverage Your Equity

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

What is a DSCR loan?
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.

Ready to Grow Your Rental Portfolio?

Send us your deal — our team reviews every submission personally.

© Pimlico Capital 2025. All rights reserved.  |  All loans subject to underwriting and approval. Rates may change with market conditions. |  Português