Rental Property Loans

Who are Rental Property Loans Suited For?

Our rental loans are suitable for AirB&B, VRBO or rental property owners that want to take advantage of fixed financing rates to purchase or refinance a rental property.


Property Types We Rental Property 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 Rental Property Loans Work?

We require a minimum score of 650+ and a $150,000 loan amount. All of our loans are serviced and underwritten in-house, for a 7-10 business days funding time. Once you have filled out an application and been pre-qualified for your loan you will need to provide specific documentation.


Rental Property Program Criteria

To get a Rental Property Loan started you will need:

  • A minimum of 1 stabilized rental property for 12 months

  • A 650+ minimum score

  • $150,000 up to $2,500,000 non-owner occupied property

  • 2 months of recent bank statements

  • Score and background check



  • DSCR / Debt yield requirements on a case by case basis

  • Rates from 8.25%

  • 6 – 36 months flexible terms

  • No prepayment penalty


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.

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.

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.