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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.
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Quick Quote
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Up to 85% CLTV

Combine LTV

20, 25, or 30-year amortization

Flexible Terms

$30K - $500K

Loan amount

No Refinance

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

Quick Quote

* 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:

  • Arizona
  • Nevada
  • North Dakota
  • Oregon
  • South Dakota
  • Utah
  • Vermont
LCM MAP 2025
✦ New Program — Now Available

Ground Up Construction
For Every Experience Level

Levine Capital now offers financing for first-time builders. Whether you are brand new to construction or a seasoned developer, we have a program built for you.

🏗

New: Beginner Builder Program — No Prior Ground-Up Experience Required

We work with experienced General Contractors to make new construction accessible to first-time investors. If you have a solid GC and a viable project, we want to fund it.

Get Your Quote →
New
🌿
Beginner Builder
No prior ground-up experience required
80%
of Total Project Costs
  • ✓Experience RequiredNo GUC experience needed — licensed GC required
  • ✓FICO Score660+ minimum
  • ✓Max Loan-to-ARVUp to 65%
  • ✓Term Length12 to 18 months
  • ✓RecourseFull recourse
  • ✓Reserves3 months PITIA minimum
Apply Now — Free Quote
🏠
Ground Standard
For newer real estate investors
85%
of Total Project Costs
  • ✓Experience Required1–2 prior ground-up builds
  • ✓Max Loan-to-ARVUp to 70%
  • ✓Term Length12 to 18 months
  • ✓RecourseFull recourse
Get a Free Quote
Most Popular
🏆
Experienced Developer
For seasoned construction professionals
90%
of Total Project Costs
  • ✓Experience Required3+ ground-up builds
  • ✓Max Loan-to-ARVUp to 70%
  • ✓Term Length12 to 24 months
  • ✓RecourseFull recourse
Get a Free Quote

Beginner Builder — Quick Requirements Checklist

💳
660+
Min FICO Score
📐
80%
Max LTC
🏡
65%
Max Loan-to-ARV
📅
18 Mo
Max Term
💰
$50K+
Min Loan Amount
🔨
GC
Licensed GC Required

How to Get Funded in 5 Steps

1
Submit Quick Quote
Fill out our 60-second form with your project details
2
Get Pre-Screened
Our team reviews your scenario and sends a preliminary quote
3
Submit Documents
Upload plans, permits, GC contract, and borrower docs
4
Underwriting
Fast review with draw schedule and term sheet issued
5
Close and Build
Funds released in draws as construction milestones are hit

Ready to build? Get a free quote in under 60 seconds.

Get My Free Construction Quote →

* Rates starting at 8.99%. Actual rates vary based on borrower profile and project details. Non-owner-occupied only.