Long Term Rental Loans

Who are Long Term Rental Loans Suited For?

Center Street Lending’s long term rental loans are for rental property owners that are looking for a 30-year refinance option.

Property Types We Long Term Rental Fund

We lend on single-family rental properties, 2 to 4 units, townhomes, planned unit developments, or condominiums. All properties must be non-owner occupied. Foreign nationals are subject to a lower loan to cost (LTC) and loan to value (LTV) thresholds.

How do Long Term Rental Loans Work?

We require a minimum score of 620+ and a $100,000 loan amount. All of our loans are serviced and underwritten in-house, for 7-10 business day funding time. Once you have filled out an application and been pre-qualified for your loan you will need to provide specific documentation.

Long Term Rental Program Criteria

To get a Long Term Rental loan started you will need:

  • A 620+ minimum score
  • $100,000 up to $2,000,000 non-owner occupied property
  • 2 months of recent bank statements
  • Score and background check


  • Max 80% LTV
  • Rates starting at 7%
  • 30-year term
  • DSCR and minimum 3 year pre-pay (state specific)

States We Lend

  • Arizona
  • California
  • Colorado
  • D.C.
  • Florida
  • Georgia
  • Maryland
  • North Carolina
  • Oregon
  • Tennessee
  • Texas
  • Virginia
  • Washington

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.

Recent Deals


I appreciate how professional the staff at Center Street has been. Even when things got a bit difficult, as they do during rehab projects, it was always a pleasure to speak with everybody at the office.

Jeremy D

Jeremiah can answer all of my questions, so pleasant to deal with, hard-working, kept me informed and in the loop at every step.

Doug F.

There is no way I would have been able to close on my purchase in the time I did if it wasn’t for Center Street’s rapid funding. They were quick and efficient right down to every detail.

Barbara T.