Build Your Real Estate Investment Portfolio

Rental Property Loans for Serious Investors

  • Purchase
  • Refinance
  • Cash Out
  • Consolidation
  • Residence
  • Investment

Finance unlimited investment properties with competitive rates and flexible qualification based on rental income potential.

  • No limit on number of financed properties
  • Qualify with rental income (DSCR 1.0 or higher)
  • Competitive rates for experienced investors
  • Purchase or cash-out refinance options available
Start Your Application Schedule Consultation
12+ Years
Investment Property Financing
98%
Investor Satisfaction Rate
$3.2B+
Investment Loans Funded
6,500+
Real Estate Investors Served

Why Choose Our Rental Property Loans?

Specialized financing designed for real estate investors who want to build wealth through rental property portfolios.

Unlimited Properties

No arbitrary limits on the number of financed investment properties in your portfolio.

Rental Income Qualification

Qualify based on property cash flow with DSCR as low as 1.0 - your rental income can cover the payment.

Portfolio Expansion

Finance single-family homes, multi-unit properties, condos, and townhomes for rental income.

Flexible Underwriting

Streamlined process for experienced investors with multiple properties and proven cash flow.

Competitive Rates

Access to investor-focused rate programs with options for long-term and short-term rental strategies.

Multiple Loan Types

Choose from purchase loans, cash-out refinance, rate & term refinance to maximize your investment strategy.

Real estate investor consultation for rental property financing

Maximize Your Investment Strategy

Our rental property loan programs are specifically designed for real estate investors looking to scale their portfolios. Whether you're purchasing your first rental property or your twentieth, we offer flexible financing solutions that align with your investment goals.

  • DSCR-Based Approval: Qualify based on property cash flow, not personal income or tax returns.
  • Long-Term & Short-Term Rentals: Finance both traditional annual leases and short-term vacation rental properties.
  • Cash-Out Options: Access equity from existing properties to fund new acquisitions and grow your portfolio.

Rental Property Loans vs. Conventional Investment Financing

See why real estate investors choose our specialized rental property loan programs over traditional financing.

Feature
Our Rental Property Loans
Conventional Investment Loans
Number of Financed Properties
Unlimited
Limited to 10 properties
Income Documentation
Rental income (DSCR calculation)
Tax returns, W-2s, pay stubs required
Qualification Method
Property cash flow based
Personal income & DTI based
Self-Employed Investors
No tax return requirements
2 years tax returns required
Short-Term Rental Properties
Accepted (Airbnb/VRBO)
Not typically accepted
Cash-Out Refinance
Up to 80% LTV available
Stricter requirements on investment properties

The Investment Advantage

Our rental property loan programs are designed to help serious investors scale their real estate portfolios without the traditional financing roadblocks. By focusing on property performance rather than personal income, we enable experienced and new investors alike to build wealth through rental real estate. Whether you're acquiring single-family rentals, multi-unit properties, or short-term vacation rentals, our flexible programs support your investment strategy.

Simple Process for Rental Property Financing

We've streamlined the investment property loan process so you can focus on finding great rental opportunities.

Step 1

Initial Consultation

Discuss your investment goals, property details, and portfolio strategy with our investment loan specialists.

Step 2

DSCR Analysis

We analyze the property's rental income potential and calculate the Debt Service Coverage Ratio to determine loan eligibility.

Step 3

Documentation & Underwriting

Submit basic property and ownership documents - no tax returns or extensive income verification required.

Step 4

Closing & Portfolio Growth

Close on your rental property loan and start generating passive income while building long-term wealth.

Ready to Expand Your Portfolio?

Our investment loan specialists are ready to help you analyze your next rental property acquisition and structure the optimal financing solution.

Trusted by Real Estate Investors Nationwide

See how our rental property loan programs have helped investors build substantial real estate portfolios.

"I've financed 12 rental properties through E Mortgage Capital, and their rental property loan program has been instrumental in growing my portfolio. The DSCR-based qualification meant I didn't need to provide tax returns or worry about personal income limits. Their team understands real estate investing and makes the process incredibly efficient."

Jennifer Martinez
Jennifer Martinez
Real Estate Investor
12 Financed Properties
Atlanta, GA

"After being limited to 10 properties with conventional financing, I discovered E Mortgage Capital's rental property loans with no property limits. I've since expanded my portfolio to 18 properties generating consistent cash flow. The ability to qualify based on rental income rather than personal income has been a game-changer for my investment strategy."

Robert Chen
Robert Chen
Portfolio Investor
18 Rental Properties
Phoenix, AZ

Join thousands of successful real estate investors

Rated 4.9/5 by real estate investors

Rental Property Loan Questions Answered

Everything you need to know about financing your investment property portfolio.

Unlike conventional loans that typically limit you to 10 financed properties, our rental property loan programs have no limit on the number of investment properties you can finance. This allows serious investors to scale their portfolios without arbitrary restrictions.
DSCR (Debt Service Coverage Ratio) measures whether a property's rental income can cover its mortgage payment. We calculate DSCR by dividing the property's gross rental income by its total monthly debt obligations. A DSCR of 1.0 means the rental income exactly covers the payment, while higher ratios indicate positive cash flow. We can approve loans with DSCR as low as 1.0, and some borrowers with strong credit may qualify even lower.
No. Our rental property loans qualify based on the property's cash flow potential, not your personal income. You won't need to provide tax returns, W-2s, or pay stubs. This makes our program ideal for self-employed investors, those with complex tax returns, or investors who want to scale beyond personal income limitations.
Yes! We finance both long-term traditional rentals and short-term vacation rental properties. For short-term rentals, we can use market rental analysis or actual rental history to determine income potential and calculate DSCR. This flexibility allows you to invest in high-demand vacation markets.
We finance a wide range of investment property types including single-family homes, multi-unit properties (2-4 units), condos, townhomes, and warrantable condominiums. Both long-term rental properties and short-term vacation rentals are eligible for financing.
Down payment requirements vary based on property type, credit score, and DSCR ratio. Typically, investment property purchases require 20-25% down payment. For experienced investors with strong DSCR properties, we may offer options with as little as 15% down. Cash-out refinances are available up to 80% LTV depending on property performance.
Absolutely. Our cash-out refinance option allows you to access equity from your existing rental properties to fund new acquisitions, property improvements, or other investment opportunities. You can typically access up to 80% of the property's appraised value, allowing you to leverage equity to grow your portfolio.
Our streamlined process for experienced investors typically allows for closing within 30-45 days. Because we don't require extensive income documentation like tax returns, the underwriting process is often faster than conventional loans. Having your property details, ownership documents, and rental information ready can expedite the timeline.
Minimum credit score requirements typically start at 640 for investment property loans, though 680+ will qualify for better rates and terms. Higher credit scores (720+) combined with strong DSCR properties can access our most competitive investor rate programs.
Yes, we offer financing for properties held in LLCs, limited partnerships, and other business entities. This allows you to maintain proper legal separation between your personal assets and investment properties while still accessing competitive financing. Entity lending may have slightly different documentation requirements.

Still Have Questions?

Our investment loan specialists are here to help you understand your financing options and structure the best solution for your portfolio.

Ready to Scale Your Rental Property Portfolio?

Join thousands of successful real estate investors who have built wealth through our specialized rental property financing.

No property limits. No tax return requirements. Qualify based on rental income potential.

Start Your Application Now Call: (916) 232 3040
0
Property Limits
1.0+
DSCR Minimum
30-45
Days to Close

Teacher Loans

  • Purchase
  • Refinance
  • Cash Out
  • Consolidation
  • Residence
  • Investment

You can use Teacher Mortgage Loans for the financing purposes of PURCHASE, REFINANCE, CASH-OUT, DEBT-CONSOLIDATION, RENOVATION, REHAB, REMODEL, GROUND UP CONSTRUCTION for both your primary residence and for rental investment property.

Empowering Educators with the Teacher Loan Program

Helping teachers and school employees achieve homeownership with flexible financing, low down payments, and exclusive savings — because you deserve a home as inspiring as your classroom.

Key Features:

  • Special home loan options designed for educators

  • Low or no down payment options

  • Reduced mortgage insurance requirements

teacher loan, teacher mortgage program, educator home loan

Teacher Loan Benefits

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Affordable Homeownership for Educators

Get access to special mortgage programs with reduced costs and flexible qualification guidelines tailored for teachers and school staff.

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Low Down Payment Options

Enjoy down payments as low as 3% — with potential grants or gift funds to help cover your closing costs.

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Flexible Qualification

Your teaching contract and employment verification may be used in place of lengthy job histories, making qualification easier for newly hired educators.

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Exclusive Incentives

Save more with discounted lender fees, reduced PMI, and access to state or local teacher assistance programs.

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Support for Refinancing and Home Improvement

Already own a home? Explore refinance or renovation loan options to make your home more comfortable or energy-efficient.

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Personalized Guidance

The Rodney Rose Mortgage Team specializes in helping educators navigate every step of the process — from pre-approval to closing — ensuring a smooth, stress-free experience.

Documentation You'll Need

The list of documentation items shown below is a good general list. However, based on your borrower profile overlayed with the specific loan program underwriting guidelines, you may need to provide additional information. In some circumstances, you may not need to provide the entire list of items. Speak with Rodney Rose, your trusted loan officer, for your specific documentation needed.

  • Tax returns - You will need to fill in a Form 4506-T, and provide your tax forms (the last 2 years should suffice).

  • Pay stubs, W-2s, 1099's, K-1's, or other proof of income -These include your most recent 1 month of pay stubs. If you are self-employed you must provide the two most recent tax returns as well as a year-to-date profit and loss statement. If you file a separate business tax return, you will need to provide the most recent 2 years along with a year-to-date profit and loss statement.

  • Bank statements and other assets - Lenders need your most recent 2 months bank statements and may request proof of your retirement accounts, assets, as well as other investment accounts.

  • Credit history and FICO score - Your credit report will be obtained which will provide details of your credit payment history, including any episodes of bankruptcies or foreclosures.

  • Gift letters - If any friend or family member wants to help you with the down payment or closing costs by offering you some cash you must provide a “gift letter” which states that the money is a gift and not a loan.

  • Photo ID - Provide a government issued ID with photo such as a driver's license or passport.

  • Renting history - Your history as a tenant on rent to guarantee you can pay your rent bills on time.

  • Co-Borrower or Co-Signor - If a Co-Borrower or Co-Signor is used in qualifying. You will need to provide all of the same items for them also.

Your Dedication Deserves a Home of Its Own.

Let the Rodney Rose Mortgage Team help you secure your future with affordable financing built for teachers.

Renovation Loan Process

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Pre-Approval

Discuss your goals with a Rodney Rose Mortgage Team specialist. We’ll help determine your loan options, down payment requirements, and estimated monthly payments.

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Property Selection

Find a home that fits your budget and meets program eligibility requirements. Teacher-specific programs may include both new and resale properties.

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Renovation Planning

Submit your application with required documents including your employment contract and pay records.

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Appraisal & Approval

Underwriting will review your financials and verify your employment and eligibility for teacher loan benefits or assistance programs.

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Loan Closing

Once approved, sign your final loan documents, receive keys to your new home, and celebrate homeownership with confidence.

Teacher Loan Eligibility

Credit Score

  • Minimum 620 (higher scores may qualify for better rates).

Employment

  • Must be a full-time teacher, faculty member, or school employee.

Down Payment

  • As low as 3% (gift funds allowed).

Income

  • Must meet program income and debt-to-income guidelines.

Property Type

  • Primary residence — single-family, condo, or approved townhouse.

Location

  • Available in most states with additional local assistance options.

Frequently Asked Questions

Who qualifies for the Teacher Loan Program?

Full-time educators, school administrators, and other public or private school employees are eligible for this program.

Can new teachers qualify without two years of employment history?

Yes! Your signed teaching contract may be used to verify income and employment stability.

What are the benefits of a Teacher Loan compared to a traditional loan?

Teacher Loans often have reduced fees, lower down payment requirements, and flexible guidelines for educators.

Can I combine this loan with down payment assistance?

Absolutely. Many state and local housing authorities offer programs that pair perfectly with Teacher Loans.

What if I already own a home?

You may still qualify for refinance or renovation loan options through the Rodney Rose Mortgage Team.

How do I get started?

Schedule a free consultation with the Rodney Rose Mortgage Team to discuss eligibility, pre-approval, and available benefits.

© Copyright 2025 by E Mortgage Capital. Inc.

Notice To Texas Loan Applicants: Consumers wishing to file a complaint against a mortgage banker, or a licensed mortgage banker residential mortgage loan originator, should complete and send a complaint form to the Texas Department of Savings and Mortgage Lending, 2601 North Lamar, Suite 201, Austin, TX 78705. Complaint forms and instructions may be obtained from the department’s website at www.sml.texas.gov.

A toll-free consumer hotline is available at 1-877-276-5550. The department maintains a recovery fund to make payments of certain actual out of pocket damages sustained by borrowers caused by acts of licensed mortgage banker residential mortgage loan originators. A written application for reimbursement from the recovery fund must be filed with and investigated by the department prior to the payment of a claim. For more information about the recovery fund, please consult the department’s website at www.nmlsconsumeraccess.org

Loan Officer at E Mortgage Capital, Inc. 3750 S Susan Street Santa Ana, Ca. 92704. NMLS#1416824 NMLS#1396861 DRE#00853403. Equal Housing Opportunity Lender. https://www.nmlsconsumeraccess.org. For State Requirements, go to https://www.emortgagecapital.com/licensing.