long term rental loans

Create Positive Cash Flow with Rental Property

When it comes to rental property investing, positive cash flow is key to your success. VP Capital Lending provide investors the ability to purchase, refinance, or cash-out individual rental properties, as well as entire portfolios. Our diverse portfolio of options provides investors of all experience levels, the opportunity to maximize profit on their cash flow investments.

Loan Criteria

Term Length: 30 Year, Fully Amortized
Property Types: Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
Single Property & Portfolios
Minimum Loan Amount: $50,000
Maximum Loan Amount: $2,000,000
Minimum Credit Score: 680
LTV: Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value

Program Highlights:

Fast Closings


ALL Property Types – Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes: 5+ Unit Apartments


Absolutely no upfront fees


Flex-A-Rate – You can elect to buy down the rate or pay minimal closing costs.


No Income Verification – We don’t need Tax Returns. We look at the PROPERTY, not income.


BRRRR (Buy, Rehab, rent, refinance, and repeat): Investors love us because we can refinance the property without a seasoning requirement. The right property allows you to refinance the flip loan AND CASH OUT your original down payment and some of the profit. Rates vary widely by property/credit but expect rates starting in the 6’s or low 7’s fixed for 30 years.

Want more information?

Complete the form and someone from VP Capital Lending will be in touch to help answer your questions and discuss options that fit your investment needs.