VA Loans | Level Up Mortgage Lending

Long - Term Rental Loans

Long-term rental loans are financing options specifically designed for investors looking to purchase residential or commercial properties to rent them out over an extended period. These loans provide a stable financing solution for property owners seeking to generate consistent rental income.

Key Features-

  • Loan Duration: Typically range from 15 to 30 years, allowing for extended repayment periods.

  • Lower Interest Rates: Rates start as low as 7.5%!

  • Fixed or Adjustable Rates: Investors can choose between fixed-rate mortgages, which offer stable payments, or adjustable-rate mortgages, which may start lower but can change over time.

  • LTV Ratios: Loan-to-value (LTV) at 75%.

  • Debt Service Coverage Ratio (DSCR): Lenders typically assess the property's ability to generate enough income to cover loan payments. A DSCR of 1.2 or higher is common, indicating that rental income should exceed debt obligations.

VA Loans | Level Up Mortgage Lending
VA Loans | Level Up Mortgage Lending

Benefits-

  • Stable Cash Flow: Provides predictable monthly payments and the potential for ongoing rental income.

  • Property Appreciation: Investors can benefit from property value appreciation over time.

  • Tax Benefits: Potential tax deductions on mortgage interest and property-related expenses.

  • Investor Advantages: Approval based on the Property Cashflow and not your tax returns.

  • Interest Rate: Starts As Low As 7.5%

  • Origination Points: Starts As Low As 2.99%

  • No Experience Required

  • As you grow, we customize your lending experience.

  • Loan Amount: Up To 2 Million (up to 75% LTV)

  • Min. FICO Score: 660

  • Cross-Collateral: allowed on 2 or more properties. Portfolio loans available on a case-by-case basis.

5) VA loans do not require mortgage insurance, which can save borrowers money on their monthly payments

6) VA loans have flexible credit requirements, which can help borrowers with less-than-perfect credit still qualify for a mortgage

7) VA loans can be used to purchase a variety of property types, including single-family homes, multi-unit properties, and condominiums

8) VA loans allow for options for refinancing, including streamline refinancing and cash-out refinancing, which can help borrowers lower their monthly mortgage payments or access equity in their home.

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