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Rental Property Mortgage
Rental Property Investor Financing loans help real estate investors grow their portfolio
Important Information - Please Read
Arc Home LLC is not currently licensed to conduct residential mortgage lending activities in Hawaii, Utah, and Nevada and this site is not intended for use by consumers seeking to obtain residential mortgage financing in either state.
By clicking Apply Now, (1) you expressly consent to having Arc Home LLC contact you about your inquiry by phone (including usage of an automatic telephone dialing system), whether by a voice call, ringless voicemail, or by text messaging, to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any service from Arc Home LLC. I understand I can withdraw my consent at any time. Message and data rates may apply; and (2) you represent that you are not a resident of the State of New York. If you are a resident of the State of New York, please contact Arc Home directly via email at customercare@archomeloans.com or by telephone at (833) 532-2514.
Eligible Properties
We lend on Single-Family Dwellings, 2 to 4 Units, and Warrantable/Non-Warrantable Condominiums. All properties must be non-owner occupied.
Up to 75%LTV
Minimum Credit Score of680
Funding from$100k-$2.5M
Qualify on RentalIncome Only
Rental Property Investor Financing
Arc Home’s Rental Property Investor Financing uses the cash flow generated from the property to qualify for a mortgage. This program is ideal for experienced real estate investors requiring no tax returns or employment documentation.
- Qualify based on current or expected rental income
- Available for Cash Out Refinance, Rate and Term Refinance or Purchase
- Condos and Short-Term Rentals (Airbnb/VRBO) allowed
- 1–4-unit properties
- Title vesting permitted in LLC
- Interest only options available designed to maximize property cash-flow and increase borrowing limits
- Loans up to $2.5 million
- Borrow up to 75% of the value of the property
- Credit score as low as 680
- No prior property rental history required
We also have programs that allow you to qualify using Bank
Statements, assets, or your 1099
even if you had a Bankruptcy Discharge.
Our Products
Frequently Asked Questions
1.
1. How do I qualify for rental property financing?
Through Arc Home’s DSCR loan program, eligible borrowers can use rental income to qualify for the loan. Tax returns and employment income are not required. The estimated or current monthly rent must be at least 75% of the appraised value.
2.
2. How do I provide proof of estimated or current rental income?
Executed lease agreements or rent schedules will be required. Rent loss coverage may be required. Additional documentation may be required for short-term rental properties (Airbnb/VRBO).
3.
3. Who can qualify for a DSCR mortgage?
Our DSCR loan program is an ideal option for investors looking to purchase or refinance a home using the rental income as a means of qualifying for the mortgage. Unlike a traditional mortgage, DSCR mortgages do not require proof of tax returns, bank statements or paycheck stubs.