R ental Loans: We Offer Flexible Investment Loans for Rental Properties Permanent Financing for Long-Term Rentals and Vacation Rentals A rental property loan is a first lien mortgage loan secured by a single-family residential property (1 to 4 units), or SFR, that is occupied by a tenant rather than used as a primary residence. To qualify, the property must be rent-ready. Typically, the tenant is long-term, but rental property loans also can be used for short-term rentals, such as vacation rentals. Rental property loans sometimes also are referred to as investment property loans, non-QM loans, or investor DSCR loans. For the purposes of this post, we are going to focus on buy and hold single-family properties, though it is important to note that an investment property loan can also refer to loans for a fix and flip or commercial property. Let's take a closer look at: Investment property loans vs. conventional home loans Let's start with the basic similarities...
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