DSCR 2nd Lien Rental Loan

Unlock your rental property’s equity without changing your current loan. Get up to 85% CLTV with flexible terms designed for investors.

Up to 85% CLTV

Combine LTV

20, 25, or 30-year amortization

Flexible Terms

$30K - $500K

Loan amount

What is a 2nd Mortgage Rental Loan?

A 2nd Mortgage Rental Loan lets you borrow against the equity in your rental property without changing your current mortgage. This loan gives you extra cash to invest in new properties, make upgrades, or cover other expenses—without the need to refinance. It’s a simple and flexible way for real estate investors to access funds, grow their portfolio, and maximize their property’s potential while keeping their primary loan in place.

Key Loan Details

A simple, flexible way for investors to access funds, grow their portfolio, and unlock property value—without refinancing.

680

Minimum FICO

45 days

Rate Lock Period

Min DSCR

1.1x

Loan Amount

$30K - $500K

Max CLTV

Up to 85%

No Refinance

Keep current loan

* Non-owner-occupied loans ONLY. All products are intended for residential properties.

** The rates shown represent the lowest possible options. The actual rates and deals you receive may change based on various approval criteria, including your FICO score, past experience, duration of ownership, among others.

*** We do not currently lend in the following states: