Long Term Rental Loan Built for Real Estate Investors
Qualify with rental income. No tax returns. No income ratio.
LTV
80%
RATE
5.5%
CLOSING
10 to 21 Days
TERMS
30 Year or Interest Only
$100K - $5M
LOAN AMOUNTS
Apply Now
What Is A Long Term Rental Loan?
A Long Term Rental Loan is designed for real estate investors who want stable, predictable cash flow from income-producing properties.
This program provides long-term financing structured around rental income performance rather than personal employment verification.
If the property cash flows, you can qualify. Long-term rental financing is ideal for:
- Buy-and-hold investors
- Single-family rental portfolios
- 2–4 unit properties
- Investors transitioning from short-term bridge loans
- Portfolio
Built for Cash Flow & Growth
DSCR-Based Qualification
Approval based on rental income coverage.
30-Year Amortization Options
Structured for long-term wealth building and manageable payments.
Portfolio Friendly
Finance multiple properties under scalable structures.
Are We a Good Fit?
Our Long Term Rental loans are structured to be straightforward and investor-friendly.
Minimum Credit Score
660
Reserves
3 Months
Property Types
SFR, Condo, Townhome, 1–4 UnitsSeasoning
6 Months On Refinance
Prepayment Penalty
OptionalDown Payment
20% minimum
Experience
First Time InvestorOccupancy
Non-Owner-Occupied
Loan Amount
$100K minimum
Up to $5M maximum
Appraisal
RequiredHow It
Works
Submit Property & Scenario
Provide basic details on the subject property and projected rental income.
Receive Terms
We structure your loan based on DSCR performance and credit profile.
Close & Fund
Appraisal completed. Loan documents signed. Capital deployed.
Why Investors Choose
Asteris Lending
This is financing built for operators, not hobbyists.
- First-time investor friendly
- Qualify using rental income
- No personal income verification
- Competitive 5.5% starting rates*
- Up to 80% LTV
- Loan amounts up to $5M
- Interest-only options available
- Blanket loans available
- Reliable 10–21 day closing timeline
Product Type
Long Term Rental
Experience Required:
First Time Investor OK
Minimum Credit Score:
660
Liquidity:
20% Down
Reserves:
3 Months
Prepayment Penalty:
Optional
Closing Timeline:
10 to 21 Days
Draw Schedule:
N/A
Rate:
5.5%
Loan-to-Value LTV:
80%
Loan-to-Cost (LTC):
N/A
Loan Term:
30 Yr or Interest Only
Asset Types:
SFR, Condo, Townhome, 1–4 Units
Loan Amount Min:
$100k
Loan Amount Max:
$5M
Product Specifics:
Non-Owner-Occupied, 6 Months Seasoning Requirement, Blanket Loan Option
Number of Units:
1 to 4 Units
States We
Lend In
Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.
Give us a call to see what we can do for you.
Frequently Asked Questions
Can I qualify as a first-time investor?
Yes. Prior rental experience is not required.
Do I need to provide tax returns?
No. Qualification is based on the property’s rental income.
Can I refinance an existing rental?
Yes. A 6-month seasoning requirement applies.
Are short-term rentals eligible?
Eligibility depends on documentation and property profile.
Is there a prepayment penalty?
Optional structures are available.
Grow Your Rental Portfolio
with Asteris Lending
Access up to 80% LTV with competitive rates and investor-driven underwriting.
Submit your DSCR scenario today and receive terms tailored to your property.