Buy or refinance a rental property using the property's rent to qualify. No tax returns, W-2s or pay stubs. Close in your LLC.
We shop your deal across a network of DSCR lenders, so one application reaches the programs that fit your property and your plan.
Detached homes and townhomes held as long-term rentals.
Duplexes, triplexes and fourplexes, qualified on combined rent.
Small apartment buildings on residential-style DSCR terms.
Warrantable and non-warrantable condos, including condotels.
Airbnb and VRBO properties, using booking history or market projections.
Several properties under one blanket loan and one payment.
The best terms available across our lending partners. Your final terms depend on the property, your credit and the lender that fits your deal.
Apply online or call us with the address, purchase price or value, and the rent.
We compare programs across our lending partners and bring you the best-fit term sheet.
The lender orders the appraisal and rent schedule. Most rental loans close in 3 to 5 weeks.
Debt service coverage ratio compares the property's monthly rent to its monthly payment. Lenders use it in place of your personal income.
A DSCR of 1.00 or higher means the rent covers the payment. Lower ratios can still qualify with a larger down payment.
No. DSCR loans qualify on the property's rent. Lenders review your credit, your assets for down payment and reserves, and the property itself.
Yes. Most of our lenders prefer an LLC or corporation, with the owners signing a personal guarantee.
Yes. Lenders use 12 months of booking history, or a market projection such as AirDNA for a new short-term rental.
Several of our lending partners accept first-time investors, usually with slightly lower leverage.
No. Rental loans are business-purpose loans for investment property only. The property cannot be your primary residence or second home.
One application. Multiple lenders. A term sheet that fits your deal.
Terms shown are the best available across Capital Lending Group's lending partners as of October 2026 and change without notice. Not every borrower or property qualifies for every term. Rates, leverage and eligibility vary by lender, property, credit profile and state. Business-purpose loans on non-owner-occupied property only. All loans are subject to lender review and approval.
Disclosure: Capital Lending Group, LLC is a loan broker, not the lender. We specialize in assisting businesses with the loan application process by connecting you with lenders who may provide financing. While we offer guidance and support throughout the application process, Capital Lending Group, LLC is not the lender and does not provide funding directly. Loan applications are subject to lender review and approval. Offerings and eligibility requirements vary by lender.
