APPLY NOW FOR A RENTAL 360 LOAN

Please complete the application on this page or download and fill out a paper application here:

Minimum loan amount $100,000

LOAN SIZE

• $100,000 to $3,000,000

LOAN TERMS

• 5 or 7-year hybrid
• 30-year amortization, 30-year fixed

PROPERTY TYPES

• 1-4 unit attached/detached properties
• PUDs
• Condominiums (Warrantable/non warrantable)

LOAN PURPOSE

• Purchase
• Rate/term refinance
• Cash-out refinance

BORROWER

• Business entity
• Credit Score: Minimum 650
• Foreign Nationals Okay

MINIMUM DSCR

• 1.2 (No DSCR Option Available)

MAX LTV

• Up to 80% for Purchase and Rate & Term Refinances
• Up to 75% for Cash Out Refinances

INTEREST RATES

• Starting at 4%+

CASH-FLOW REQUIREMENTS

• Qualifying income based on property cash flows
• Closing in less then 30 days
• Must have: own a primary home, 1 investment property, or hire a property manager

LOCATIONS

• Generally urban or suburban locations in primary, secondary, or tertiary markets.

Airbnb:

• Up to 80% LTV on Purchases
• Up to 70% LTV on Refinances and Rate and Term
• Need operating income for at least 1 year
• 100k minimum population by county

Express Capital Financing is a direct lender. We provide funding solutions and are not constrained by the limitations of traditional lending institutions, so we can meet your needs for ventures of all sizes.