Long-Term Rental Loans
At Elevate Finance Group, we specialize in providing tailored investment property loans designed to make real estate investing accessible and profitable. With our industry expertise, customer-focused approach, and competitive rates, we take pride in being a leading provider of residential real estate financing. Let us help you secure the investment property loans you need to succeed.
Fast & Reliable Funding
Close deals in 7–10 days with fast pre-approvals & simplified processing
High leverage financing
Finance up to 85% of the property value including renovation costs
Flexible structures
Customized loan terms, draw schedules, and payment plans to fit your goals
Program Highlights
- Purpose: Purchase, Rate-Term Refinance, or Cash-Out Refinance of rental properties held for long-term investment
- Loan Amounts: $75,000 to $20,000,000+
- LTV: Up to 80% LTV for purchases | 75% for cash-out refinances
- Term: 30-Year Fixed, 5/1, 7/1 ARM, or Interest-Only options available
- Rates: 7%–12.5% interest-only
- Points: 2+
- Requirements: Exit strategy, bank statements, rehab scope, appraisal ordered at contract
Maximize Returns with Smart Financing
At Elevate Finance Group, our Long-Term Rental Loans are designed to help real estate investors hold income-producing properties with confidence and peace of mind. Whether you’re acquiring a turnkey rental, refinancing a BRRRR property, or restructuring your portfolio, we provide low-rate, long-term capital built around your rental income—not your job history.
Real estate moves fast. Our streamlined underwriting and approval process means you’re ready when opportunity knocks—without the delays of traditional lenders. Our average closing time? Just 7–10 days.
Who This Loan Is For?
Our Fix & Flip Program is ideal for:
- New investors—looking for a complete financing package to start your first rehab.
- Repeat flippers—needing fast turnarounds, strong leverage, and support scaling multiple projects.
- High-volume investors—looking to build momentum and fund multiple properties with consistency.
How it Works?
Speak with a Loan Specialist
Start with a free 15-minute consultation.
Get Pre-Approved
Apply online in just 5 minutes — no cost, no obligation.
Submit Application
Once pre-approved, submit your property-specific application
Sign Loan Docs & Disclosures
We’ll send loan documents for e signature at the title company.
Fund Your Deal
Closing is held at a licensed title company or attorney’s office
Elevate Finance Group
Frequently Asked Questions (FAQ)
They’re similar! Long-Term Rental Loans are often DSCR-based—meaning the property qualifies based on rental income. These are designed for long-term holds, with 30-year terms and no income verification.
Yes. We finance both long-term and short-term rentals. DSCR is calculated based on market rent or actual income from Airbnb/STR if applicable.
Yes! Experience helps, but it’s not required. We’ll review your credit, property cash flow, and reserves to determine eligibility.
Unsure Where to Start?
Apply Now! A team member will reach out, or give us a call. We’ll guide you through the funding process and make securing your loan easy and stress-free.
