Earn up to 3.35% APY2.  No account fees. No minimum balances.

Easy funding for all of your rental properties

Get Approved
A man in a green sweater smiles while looking at a tablet. The screen shows a property listing for a Philly Townhouse available for $5,343 long-term rent. A checklist beside him reads: Select type of property, Select your loan, Get approved, Close your loan.
Competitive rates across 48 states
All Loan types (Conventional, DSCR, Portfolio)
No obligation. No hassle.

Full Suite of Loan Products

Baselane has hand selected lenders across the country to help best fit your needs.

Rentals
Airbnb Loan/ STR Rentals
BRRRR
New Construction
Fix and Flips
FHA

States Our Partners Lend In

Baselane has hand selected lenders across the country to help best fit your needs, whether you’re looking for a local expert or a national lender, we’ve got you covered.

Get approved
See if you qualify
A map of the contiguous United States showing each state outlined and filled in teal. The map does not include Alaska or Hawaii.
* Our partners lend in 48 states
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Rental loan types

Conventional loan

  • $100k – 3M
  • Low down payments (as low as 5% for 2-4 unit owner occupied)
  • Competitive rates

Best for investors with sufficient W2 income and credit.

Learn More

Rental Loans (DSCR)

  • $75k – $2M+
  • Faster close (~20-30 days)
  • No income/W2 required

Best for more experienced investors and/or investors with insufficient W2 Income.

Learn More

Short-Term Rentals

  • $100k – $3.5 Million
  • Close in 14-35 days
  • Up to 80%

Airbnb, VRBO, and all those money-making Short-Term Rentals.

Learn More

All the rental loan types that we offer

Conventional Loan
Rental Loans (DSCR)
Short-Term Rentals

Conventional rental property loan rates + terms

See If You Qualify
$100K - $3M
Loan Size
Competitive
Rates
Up to 85% LTV (loan-to-value)
Several first time home buyer incentives available
10-30 year
Term Fixed Rates
7/6 and 10/6
ARMS
Pre-Qualify Today

Benefits of a conventional loan

Get Rates for Conventional Loans
Pros:
  • Lowest interest rates
  • Lower down payment (3-20%)
  • Choose from several types of rental mortgage types
Cons:
  • Can be difficult to qualify
  • Requires W2 Income
  • Only for individuals, not businesses (LLC)
Get Rates

Rental Loans (30 Year DSCR)

See If You Qualify
$75K - $2M
Loan Size
Competitive
Rates
Up to 80% LTV (loan-to-value)
30 year Term Fixed Rates
Interest Only Options
Apply Now

Benefits of a DSCR loan

Apply Now
Pros:
  • No income verification required
  • Quicker closing times (30 days)
  • Finance multiple properties
Cons:
  • Higher down payment
  • Higher interest rates, fees, and closing costs
Get Rates

Short-Term Rentals

See If You Qualify
$100K - $3.5M
Loan Size
6.50%+ base rate (subject to change daily due to market volatility)
Close in 14 - 35 days
Up to 80% of value
5/6, 7/6 ARMs, 10 Year Interest Only, and 30 Year Fixed
Lending to Individuals, LLCs, and Corporations
Apply Now

Benefits of Short-Term Rentals Loans

Apply Now
Pros:
  • Fast close
  • Flexible eligibility and terms
  • Fund rehabs
Cons:
  • Higher interest rates and closing costs
  • Higher down payment
Get Rates
A Spanish-style house framed by palm trees with an overlay text displaying loan information: Loan Size - $432,000, Property Type - Single Family Residence, Loan Type - Cash Out Refinance, LTV - 75%, Location - Tampa, Florida.
Modern architectural style house with large windows and a patio. Overlay text displays loan information: $247,500 condo purchase in Galveston, Texas with a 75% loan-to-value ratio.
A row of pastel-colored townhouses with a loan information overlay detailing: loan size $534,750, property type as single family residence, loan type for purchase, LTV 75%, and location in Winhall, Vermont.
A house with a desert landscape in the background. Overlay text shows loan information: size $910,000, property type single family residence, loan type purchase/renovation, LTV 81% loan to cost, location Sedona, AZ.

Real Estate Loans to Grow Your Business

When it comes to your next investment property, you need a trusted financing partner to close the deal. That's why Baselane has hand selected trustworthy and knowledgable lenders who are committed to offering your best products and guidance.

See if you qualify

Our Core Values

Solution Driven

An adaptable team committed to you and your business.

Authentic Experience

Knowledgeable people dedicated to your success.

Speed and Ease

Fast, friendly, and reliable loan, every time.

Loyal Partners

Committed to transparency and long-term relationships.

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Tailored solutions for every real estate strategy

We work with buy and hold, fix and flip and short-term rental investors.

For newer investors

Lean on our knowledgeable and responsive loan officers. They'll guide you, ensuring you secure the most fitting and competitive financing options. As you grow and evolve, expect our support, rates, and benefits to adapt with you.

Seasoned professionals

Your dedication hasn't gone unnoticed. We're ready to provide customized solutions and streamlined digital processes designed to help you scale even further.

We're committed to powering your dreams and building wealth together through real estate. We invite you to connect with us.

Get started together
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Pre-approved rental property loans up to $3M

Our technology is your advantage. Make speed your competitive advantage to win the deal!

Pre-Qualify Today
Apply online

Fill out our from and tell us about your upcoming deal. It takes less than 5 minutes.

Get Matched With Best Lender

Complete our mini questionnaire so we can match you with the best lender fit for your needs.

Get pre-approved

Confirm some basic info about your deal and experience, and get a pre-approval letter.

Get funded

We’ll do all the heavy lifting to get your deal funded fast.

Thousands of real estate investors bank on Baselane

Steve

“The process was easy and straightforward. The team was extremely helpful and communicative about what they needed from me. Kwame and the team were courteous and very responsive. Will definitely work with them on future deals.”

A middle-aged man with short, light hair smiles at the camera. He is wearing a plain white T-shirt, and the background is a simple, light gray color.
Austin, Tx
Jackie

“Phenomenal service. This team was very professional and gracious throughout the process. Service was exceptional and our transaction was quick and smooth. Will work with them again for sure. Highly recommend!”

A woman with long, straight gray hair is looking down, wearing a green sweater. The background is blurred, focusing attention on her face, which appears thoughtful and calm.
Austin, Tx
Susan

“The Baselane team was nothing short of amazing! They made the process super easy and 100% professional throughout. It definitely felt like a white glove service and I was able to secure a loan to purchase my new rental property."

A woman with wavy dark hair smiles warmly at the camera. She is wearing a white collared shirt and is seated indoors, with a green plant leaf visible in the background.
Austin, Tx
*Actual results may vary by customer.

Frequently Asked Questions

A conventional rental property loan is a mortgage specifically designed for real estate investors looking to purchase or refinance a residential rental property. With competitive interest rates and various term options, these loans are popular among seasoned and novice investors. Generally, an individual can get up to 10 such loans in their name.

Not sure which loan option is best for you? Our correspondent lenders can guide you through the entire process and find the best bit financing option for you. Complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

A hard money loan, also known as a private money loan, is a short-term financing option predominantly issued by private lenders and secured by the property’s value. These loans have terms typically ranging from 3 months up to 5 years. Designed for quick funding of projects like fix-and-flips, they have higher interest rates but unmatched flexibility and speed to close.

Not sure which loan option is best for you? Our correspondent lenders can guide you through the entire process and find the best bit financing option for you. Complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

An Asset-Backed rental property loan, commonly known as a DSCR (Debt Service Coverage Ratio) loan, is a great option for real estate investors, emphasizing the property’s income potential rather than the borrower’s personal income. Unlike traditional loans, DSCR loans don’t require proof of income. Instead, borrowers can qualify based on the property’s cash flow, offering faster closing times and more flexible funding solutions.

Not sure which loan option is best for you? Our correspondent lenders can guide you through the entire process and find the best bit financing option for you. Complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

Generally, the loan amount and rates are subject to your personal financial profile, the property valuation and cash flow, your experience level, and your source of capital.


Below is a list of things that can help you get the best rental property loan terms:


Stellar Credit Score: A higher score generally offers better interest rates. Regularly monitor your credit, correct any discrepancies, and pay down outstanding debts.


Sizeable Down Payment: A substantial down payment (usually 20% or more) can secure better terms because it reduces the lender’s risk. It can also help you avoid private mortgage insurance (PMI).


Stable Income and Employment: Lenders want assurance that you can meet your monthly obligations. If you’re self-employed, be prepared with several years of income documentation or apply for a DSCR or Hard Money Loan.


Low Debt-to-Income Ratio (DTI): This ratio indicates how much of your income is tied up in debt payments. A lower DTI can position you for a better loan because it shows you have a handle on your finances.


Experience: Lenders like to see experience in property management or real estate investment. This can sometimes result in better terms, especially for fix and flip loans.


Work with the right lender: Our handpicked lending partners can help you navigate the complexities of the lending world, often securing terms and rates that you might not find on your own. Complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

For rental loans, the minimum median credit score is 660. For rehab loans, it’s 680. To see whether your credit score qualifies and get pricing, complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

All rates are subject to change. To see today’s rates for your scenario, complete our online questionnaire (2 mins) and get matched to one of our hand-picked lending partners.

To get started, simply complete our online questionnaire to get matched with one of our correspondent lenders. After completing the form, you will be contacted within one business day. Based on the best loan type for your rental deal, we can provide the required documents. Click here to get started.

Portfolio rental loans (or “term loans”) are structured as commercial loans with portfolios of residential real estate as collateral.

We offer portfolio loans for the following property types:

– Single Family

– 2-4 units

– Condos

– Townhomes

– Small multi-family

(5-50 units)(1)

– Small mixed-use(2)

Terms:

  • All loans require first mortgages and an equity pledge of
  • the borrower entity
  • Valuation based on appraisal or interior desktop
  • appraisal
  • Loans are underwritten using a multi-family based
  • underwriting model/philosophy to a 1.20x DSCR
  • minimum on cash flows
  • Foreign national sponsors permitted(3)
  • Loans are originated and structured for a securitization
  • exit



1) Multifamily units above 20 units and require, PCR and ESA; properties with 9-19 units require desktop ESA. 50+ unit properties reviewed on exception basis.

2) Mixed use properties approved on a case by case basis. Commercial tenants to occupy less than 30% of building SF and less than 30% of rent for the building.

3) Information as of December 31, 2023.

Conventional loans (Fannie Mae & Freddie Mac):

For conventional rental loans, we offer loans in the following states: CA, CO, CT, DE, DC, FL, GA, ID, IL, KY, ME, MI, MN, MS, MT, NJ, OH, OK, PA, TN, TX, WA, WV, and WY, as well as Washington D.C. Prepayment penalties as allowable by state.

Non-conventional loans:

For fix and flip (bridge loans) and DSCR loans, we offer loans in the following 48 states: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NH, NJ, NM, NY, NC, OH, OK, OR, PA, RI, SC, TN, TX, UT, VT, VA, WA, WV, WI, and WY.

Note: Bridge loan rates and terms are based on a combination of factors, LTV, FICO, and experience, and are subject to change. Interest rates or charges herein are not recommended, approved, set, or established by the State of Kansas.

© 2024, Skylight Financial Services Inc. (Baselane). All Rights Reserved.

Baselane is a financial technology company and is not a bank. Banking services provided by Thread Bank, Member FDIC. The Baselane Visa Debit Card is issued by Thread Bank, Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used anywhere Visa cards are accepted. FDIC insurance is available for funds on deposit through Thread Bank, Member FDIC. Pass-through insurance coverage is subject to conditions.

1Your deposits qualify for up to $3,000,000 in FDIC insurance coverage when placed at program banks in the Thread Bank deposit sweep program. Your deposits at each program bank become eligible for FDIC insurance up to $250,000, inclusive of any other deposits you may already hold at the bank in the same ownership capacity. You can access the terms and conditions of the sweep program at https://thread.bank/sweep-disclosure/ and a list of program banks at https://thread.bank/program-banks/. Please contact customerservice@thread.bank with questions regarding the sweep program. Pass-through insurance coverage is subject to conditions.

2The Annual Percentage Yield (APY) on your Savings Account is accurate as of 18/09/24. Total balances across Checking Accounts and Savings Accounts are used to calculate APY tier, but only money in Savings Accounts is eligible for interest. Total balances less than $10,000 earn 1.75% APY for Savings Accounts. Total balances between $10,000 and $24,999 earn 2.64% APY for Savings Accounts. Total Balances between $25,000 and $49,999 earn 3.06% APY for Savings Accounts. Total balances of $50,000 or more earn 3.35% APY for Savings Account. Rates are variable and are subject to change after account opening.

3Terms and conditions apply to the cash back rewards program. 1% cash back is credited instantly following purchase with no maximum spend. No minimum spend applies. ATM transactions, the purchase of money orders or cash equivalents, and account funding made with your debit card are not eligible for cash back. Please refer to the Rewards Terms and Conditions for more details.

4Some states require an interest-bearing escrow account for security deposits while some don’t require interest. User is responsible to check state laws along with rules for collecting and reimbursing a refundable security deposit. A brief overview of security deposit laws for escrow accounts in all 50 states can be found here.

*All testimonials, reviews, opinions or case studies presented on our website may not be indicative of all customers. Results may vary and customers agree to proceed at their own risk.