Do you lend to first-time landlords?
We look for borrowers with at least one stabilized rental, but we can present first-time landlords with strong management plans.
Portfolio Growth
Lock in long-term DSCR financing for stabilized rentals.
Non-recourse and bank-partner programs curated so you can scale your buy-and-hold strategy with confidence.
Request DSCR quote See required documents
Document checklist outlines what our lenders typically request.
Program snapshot
Rental property loans are structured with community and regional banks that understand stabilized cash flow. Terms vary by property type and DSCR, and we negotiate the structure that fits your plan.
Loan amounts $250k - $3M
Based on appetite from our regional bank and credit union partners.
Max LTV 80% purchase / 75% cash-out
Subject to DSCR of 1.15x or greater.
Amortization 30-year fixed or 5/1 ARM
Options sourced from lenders offering long-term fixed and hybrid structures.
Where this program wins
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Single asset refinance
Borrower refinanced a renovated duplex into a 30-year fixed DSCR loan after we packaged the file for a relationship bank, freeing capital for the next acquisition.
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Portfolio blanket loan
Five SFR rentals were cross-collateralized under one note through a community bank partner to streamline servicing.
Document checklist
Placeholder list — replace with compliance-reviewed requirements before launch.
- Rent roll and trailing 12-month operating statement.
- Leases with at least 6 months remaining term.
- Personal financial statement and schedule of real estate owned.
- Evidence of property insurance with replacement cost coverage.
- LLC or holding entity organizational documents.
Resources
Access the DSCR underwriting guide
Workbook we use to translate rent rolls into DSCR metrics for our lending partners.
Frequently asked questions
Is there a prepayment penalty?
Most programs include a 3-year stepdown or yield maintenance; we outline the specific schedule with each quote.
Need guidance?
Talk about Rental Property Loans
Book time with a Rexford advisor to walk through pricing, underwriting expectations, and closing checklist. Placeholder messaging until final copy.