30 Year Term
Fixed Rate 
Rental Loans

30 Year Rental Loans that require no income verification.  Underwriting is based on the cash flow of the property and credit score.

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Build Your Wealth

  • Build Net Worth

  • Build Generational Wealth

  • Build Cash Flow 

DSCR - Non Bank
Lender

  • No Income Verification

  • No Tax Returns

  • Emphasis on Cash Flow

Direct 
Lender

  • We Only Lend to Investors

  • Streamlined, Simple Process

  • Fast Quotes & Closings 

Low Rates
& Fees

  • Rate Buy Downs Available

  • Industry Low Fees

  • No surprises at Closing

Build Your Rental Portfolio  

Straightline offers you rental property solutions for single properties and portfolios.  We want to be your long term lending partner and help you grow your rental property portfolio.

Single Properties

Loans for Investors who want to purchase or refinance a cash flowing rental property.

  • Loan Amounts:  $55,000 to $2,000,000

  • Eligible Properties:  1 to 4 Family

  • Minimum Credit Score:  650

  • Minimum Property Value:  $100,000

  • Loan Term:  30 Year Fixed

  • Rates:  See Pricing Sheet Link Below

  • LTV on Purchase:  Up to 80%

  • LTV on Rate/Term Refi:  Up to 80%

  • LTV on Cash Out Refi:  Up to 75%

  • Vacant Properties OK

Portfolio Loans

Loans for Investors who want to purchase or refinance a portfolio of cash flowing rental properties.

  • Loan Amounts:  $110,000 - $2,000,000

  • Eligible Properties:  1 to 4 Family

  • Minimum Credit Score:  650

  • Minimum Property Value:  $100,000 per 

  • Loan Term: 30 Year Fixed & ARM

  • Rates:  See Pricing Sheet Link Below

  • LTV on Purchase:  Up to 80%

  • LTV on Rate/Term Refi:  Up to 80%

  • LTV on Cash Out Refi:  Up to 75%

  • Vacant Properties OK

Why Use "DSCR (Debt Service Coverage Ratio)" Rental Loans?

No Income Verification.  Straightline doesn't measure your personal debt to income ratio or collect tax returns.  

Loans close in your entity name vs. your personal name.  Conventional lenders do not allow you to close under your LLC or Corporation.  

No Reporting to Credit Bureaus.  Keep your personal credit clear of your business mortgages! 

No limitations on number of properties financed.  No roadblocks because you have financed several properties.

Close in weeks instead of months!  Our closing process removes tedious underwriting requirements and paperwork!

Rental Loans Available in AL, AR, CO, CT, WDC, DE, FL, GA, IA, IL, IN, KS, KY, LA, MA, ME, MD, MI, MO, MS, MT, NC, NH, NJ, NM, OH, OK, PA, RI, SC, TN, TX, VA, WI

*Loan terms and deal structures are subject to Straightline's verification of credit, background and real estate investing experience.  Not all clients will receive the maximum advance rates or the lowest interest rates.  All loan submissions are subject to underwriting.