This is a great long-term option for a 30-year FIXED rate loan. Most banks will only amortize for 15 to 20 years and have a balloon, or a rate reset at year 3 or year 5. This loan program is not only great for rental properties, but it can be used for short term rentals like Airbnb and VRBO. Our 30-year rental loan works great with our BRRR Loan to help you build your real estate portfolio. This loan can be made to an individual or an LLC and can be used to refinance your whole portfolio.
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Term: 30 Year Fixed
LTV on Refinances: Up to 80% of the after-repair value
LTV on Purchases: Up to 85% of the after-repair value
Rates: Competitive with traditional banks
Debt Service Coverage Ratio: 1.0 minimum
Minimum loan amount: $100,000
Appraisal Required: Yes
Refinance appraised value: $125,000 minimum
Purchase appraised value: $120,000 minimum
Rental Requirements: Best if property is already rented
Seasoning: Must have owned the property for a minimum of 6 months prior to refinancing
Perfect loan to use with the BRRR Strategy
Cash Out Option: Yes, up to 75% of the appraised value
Portfolio: Yes
West Texas offers strong short-term rental opportunities—from university events and local conferences to family visits, demand is consistent across the region. With relatively affordable property prices and competitive nightly rates, the ROI potential makes it an attractive market for investors.
Don’t miss out on the short-term rental boom. Get the funding you need to create a guest-favorite property and start earning today.
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Don’t let slow banks or red tape hold you back. Partner with experts who understand your goals and the real estate market.
