Long-Term Rental Financing
Obtain long-term rental financing with 30-year terms.
LOAN CRITERIA
Collateral: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
Term: 30 Years
Loan Amount: $55K—$2M
LTV:
Purchase: The Lesser of Up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Property Value: “As-Is” Appraised Value Must Be Greater Than $100K Subjuct to Increase Based on Location
Credit Score: 660 Minimum
Debt Service Coverage Ratio (DSCR): 1.05
Fast Financing that Fits Your Real Estate Investments
Long-Term Rental Financing with One West: Flexible Solutions for Real Estate Investors
Are you a real estate investor looking to expand your rental property portfolio with fast, flexible, and reliable financing? At One West Hard Money, we specialize in long-term rental financing solutions designed to meet the unique needs of property investors. Whether you’re purchasing your first investment property or adding to an existing portfolio, our customized loan options help you secure the funding you need to grow your investments and maximize returns.
Why Choose One West for Long-Term Rental Financing?
At One West, we understand that successful long-term rental investments require a financing partner who offers both flexibility and speed. Our long-term rental loans are designed to provide competitive rates, simplified approval processes, and the financial stability needed to succeed in today’s real estate market. Here’s why investors choose One West:
- Flexible loan terms
Our long-term rental financing options offer terms ranging from 5 to 30 years, giving you the stability and predictability you need for your rental properties. - Fast approvals
We provide quick, hassle-free approvals, ensuring you secure the funding you need without unnecessary delays. - Competitive loan amounts
Borrow up to 80% of the property’s value with our investment property loans, allowing you to maximize your potential returns while keeping monthly payments manageable. - Simplified approval process
Unlike traditional lenders, we focus on the income-generating potential of your investment property, not just your credit score. - Local expertise
As experienced lenders in the St. Louis area, we understand the local rental market and can help you make informed, profitable investment decisions.
What Is Long-Term Rental Financing?
Long-term rental financing refers to mortgage-style loans designed for investors purchasing or refinancing rental properties. These loans are structured to provide stable, long-term funding, typically with fixed interest rates and predictable monthly payments. Unlike short-term hard money loans, long-term rental loans are perfect for investors looking to buy-and-hold properties and generate passive income over time.
Our long-term rental financing options are ideal for:
- Single-family rental properties
- Multifamily properties (duplexes, triplexes, and fourplexes)
- Vacation rentals and short term rental properties
- Portfolio loans for multiple rental units
- Refinancing existing investment property loans
Benefits of Long-Term Rental Financing with One West
- Predictable monthly payments
With fixed interest rates and long repayment terms, our rental property loans provide financial stability, making it easier to manage your cash flow. - Maximize your investment potential
Borrow up to 80% of the property’s value, allowing you to leverage your capital and grow your investment property portfolio faster. - Simplified application process
Unlike traditional banks, we focus on the property’s income potential, making it easier to qualify for an investment property loan—even if you’re self-employed or have less-than-perfect credit. - Flexible refinancing options
Whether you’re looking to refinance an existing long-term rental loan to secure a better rate or pull equity from your investment property, our financing options are designed to meet your needs. - Support for diverse rental properties
From single-family homes to short term rentals and vacation properties, we offer financing solutions for all types of investment properties.
How Does Long-Term Rental Financing Work?
At One West, we’ve streamlined the investment property loan process to make it quick and hassle-free for investors. Here’s how it works:
- Initial consultation and pre-approval
Submit basic information about your rental property and investment goals. We’ll review your application and provide pre-approval within days. - Property valuation and income assessment
We’ll evaluate the property’s value and rental income potential to determine your loan amount and terms. - Loan approval and funding
Once approved, we’ll finalize your loan terms and disburse the funds, allowing you to close quickly and start generating rental income. - Long-term loan management
Enjoy predictable monthly payments and flexible refinancing options as you build your rental portfolio.
Who Can Benefit from One West’s Long-Term Rental Loans?
Our long-term rental financing solutions are designed for:
- New real estate investors purchasing their first investment property
- Experienced investors expanding their portfolios with long term rentals or short term rental properties
- Vacation rental owners looking to finance short term rentals or Airbnb properties
- Portfolio investors seeking financing for multiple rental properties under one loan
- Property owners looking to refinance existing investment property loans for better rates or cash-out opportunities
Frequently Asked Questions About Long-Term Rental Financing
What is the difference between long-term rental financing and traditional mortgages?
While traditional mortgages are often intended for owner-occupied homes, long-term rental loans are designed specifically for income-generating properties. They offer more flexible terms, simplified approval processes, and focus on the property’s rental income rather than personal income.
How much can I borrow with a long-term rental loan?
We offer up to 80% loan-to-value (LTV) for qualifying properties, helping you maximize your investment potential while maintaining manageable payments.
Can I refinance an existing investment property loan?
Yes! Our long-term rental financing options include refinancing solutions to help you secure better rates, pull out equity, or consolidate existing debt.
Do you finance short term rental properties?
Absolutely. We provide financing solutions for short term rentals, vacation homes, and Airbnb properties, allowing you to diversify your investment property portfolio.
How quickly can I get approved?
Our streamlined process allows for pre-approval within days, and funding can be secured quickly to help you close on your rental property without delays.
Get Started with St. Louis’ Leading Long-Term Rental Financing Experts
At One West Hard Money, we are dedicated to helping real estate investors succeed in building and managing profitable rental property portfolios. With flexible loan options, fast approvals, and deep local expertise, we are your trusted partner in long-term rental financing.
Contact us today to learn more about how our investment property loans can help you grow your real estate investments. Call us at (314) 887-5834 or email loans@onewesthardmoney.com to get started.
