If you’re investing in rental real estate, choosing the right lender can make or break your cash flow. The best rental property loan providers offer competitive rates, flexible terms, and fast approvals tailored for landlords. Whether you’re buying your first duplex or scaling a portfolio of single-family rentals, this list covers the top options to help you finance smarter and grow faster.
1. LendingOne
LendingOne is a popular choice among real estate investors looking for rental property loans and fix-and-flip financing. The company specializes in long-term rental loans, portfolio loans, and short-term bridge loans. Investors appreciate its streamlined online application and relatively fast closings compared to traditional banks. LendingOne focuses heavily on property cash flow and investor experience rather than just personal income. With competitive rates and flexible underwriting, it’s ideal for landlords scaling multiple properties. If you want a lender that understands real estate investing inside and out, LendingOne is worth considering.
2. Visio Lending
Visio Lending is known for its rental loans designed specifically for buy-and-hold investors. Instead of focusing on tax returns, Visio evaluates the property’s income potential, making qualification easier for self-employed investors. It offers 30-year fixed-rate loans and portfolio financing options. The company serves investors across most U.S. states and has funded billions in rental loans. Many landlords choose Visio for its straightforward process and competitive long-term products. If you’re building a portfolio of single-family rentals, Visio Lending provides predictable financing solutions.
3. CoreVest
CoreVest focuses on professional real estate investors seeking large-scale rental property financing. It offers long-term rental loans, bridge loans, and portfolio loans tailored for single-family and multifamily properties. CoreVest stands out for serving experienced investors with multiple properties and complex financing needs. Loan amounts can be substantial, making it a strong option for those scaling aggressively. The lender emphasizes asset-based underwriting, reducing the burden of extensive personal income documentation. For seasoned landlords looking to expand quickly, CoreVest delivers institutional-level rental financing.
4. Kiavi
Kiavi, formerly known as LendingHome, offers technology-driven rental property loans and fix-and-flip financing. Its digital platform allows investors to apply quickly and track loan progress online. Kiavi provides long-term rental loans with competitive rates and flexible structures for repeat investors. Many borrowers appreciate the fast underwriting process and transparent fee structure. The lender is especially attractive for tech-savvy investors who value efficiency. If speed and simplicity are priorities when financing rental properties, Kiavi’s streamlined approach makes it a compelling option.
5. RCN Capital
RCN Capital is a direct private lender offering rental property loans, bridge loans, and new construction financing. It caters to real estate professionals and investors seeking flexible funding options. RCN Capital evaluates both borrower experience and property performance, which can simplify approvals. Loan programs include long-term rental financing for buy-and-hold strategies. Investors often choose RCN for its personalized service and ability to handle complex deals. If you want a lender comfortable with various real estate strategies, RCN Capital is a strong contender.
6. Lima One Capital
Lima One Capital provides rental property loans designed for investors at different experience levels. It offers fixed-rate and adjustable-rate products, along with portfolio loans for scaling landlords. Lima One focuses on property income and investment performance rather than traditional employment verification. This makes it attractive for entrepreneurs and self-employed borrowers. The lender also provides new construction and multifamily financing options. For investors seeking flexibility and long-term rental solutions, Lima One Capital delivers competitive and adaptable funding programs.
7. New Silver
New Silver is a fintech lender offering rental property loans with a fully online application process. Its technology-driven underwriting allows for quick approvals and transparent pricing. Investors can access both long-term rental loans and fix-and-flip financing. New Silver emphasizes data-based property valuation, which can streamline the decision process. It’s especially appealing to modern investors who prefer digital tools over traditional bank visits. If you want a tech-forward rental property loan provider with speed and convenience, New Silver is worth exploring.
8. Roofstock
Roofstock is primarily known as an online marketplace for rental properties, but it also connects investors with financing solutions. Buyers can purchase tenant-occupied properties and secure rental loans through partner lenders. This integrated approach simplifies the investing process from acquisition to financing. Roofstock appeals to out-of-state investors seeking turnkey rental opportunities. While it’s not a direct lender, its financing partnerships streamline transactions. For investors looking for a one-stop platform to buy and finance rental property, Roofstock provides a convenient solution.
9. Citibank
Citibank offers traditional mortgage options that can be used for rental properties, including fixed-rate and adjustable-rate loans. As a major national bank, it provides competitive interest rates for well-qualified borrowers. Investors with strong credit and stable income may benefit from favorable terms. While underwriting is typically stricter than private lenders, interest rates can be lower. Citibank may be best suited for first-time landlords with solid financial profiles. If you prefer working with a large, established bank, Citibank remains a reliable option.
10. Chase Bank
Chase Bank provides conventional mortgage loans that can finance rental properties for qualified borrowers. Investors with strong credit scores and low debt-to-income ratios may access competitive rates. Chase offers in-person support at branches nationwide, which appeals to those who prefer face-to-face guidance. Although documentation requirements can be more extensive than asset-based lenders, the stability and reputation of a major bank can be reassuring. For conservative investors seeking traditional rental property financing, Chase Bank is a dependable choice.
Conclusion
Choosing the best rental property loan provider depends on your investment strategy, experience level, and financial profile. Private lenders often offer faster approvals and flexible underwriting, while traditional banks may provide lower rates for well-qualified borrowers. Compare terms, interest rates, fees, and closing timelines before committing. With the right rental property loan, you can maximize cash flow, scale your portfolio, and build long-term wealth through real estate investing.