Rental Equity Financing for Strong-Performing Rental Properties
Designed for owners with low LTV, high equity, strong cash flow, and higher-than-market interest rates.
2016
Unlock More Cash Flow from the Rental Property You Already Own.
If you own a rental property with strong cash flow, significant equity, and a higher-than-market interest rate, you may be leaving money on the table every month.
Today’s 2026 DSCR-based lending structures allow qualified rental owners to reduce interest expense, improve monthly cash flow, or access equity — without selling or disrupting operations. Qualification is based on property performance, not personal income.
See Real Case Studies.
showing how a 1–2% interest rate reduction can translate into tens of thousands of dollars in long-term retained cash — without changing tenants, rent, or expenses.
2026 Rates As Low As 5.99% For Well-Qualified Services
Results depend on property performance, leverage, credit profile, and loan structure.
NOT ALL PROPERTIES WILL QUALIFY
Designed for strong-performing rental properties
We help rental property owners that have low-LTV, high-equity properties access equity-based financing by structuring and facilitating lender placement through top-tier investment-property lenders — designed to increase cash flow on strong-performing rentals with healthy rent coverage, while delivering the best long-term cost of capital.
If your rental property performs well but carries a higher interest rate ≥ 6.5%, the 2026 options below may improve your portfolio performance.
Many rental property owners locked in financing years ago when rates were higher or when loan options were limited. Today, there are 2026 alternative lending structures designed specifically for income-producing rental properties allowing qualified owners to lower payments, improve monthly cash flow, or access equity without disrupting operations.
This isn’t about speculation.
It’s about optimizing a property that already works.
Qualification is based on rental cash flow, loan-to-value (LTV), equity position, and FICO score ≥ 650 — not personal income or tax returns.
Full program details and requirements are outlined below.
5.99% DSCR Rate — Qualification Criteria
The best pricing tier (as low as 5.99%) is available to borrowers who meet all the following criteria…
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Expertise
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A Smarter Way to Think
The question is whether it’s working as efficiently as it could.
Optimized financing is not about chasing leverage — it’s about protecting cash flow, improving yield, and increasing control.
No application fees or personal tax returns are required to apply for this equity-based financing.
RentalEquityFunding.com
Smarter capital for rental properties that already perform.
SEC Registered Investment Advisor
We help you achieve your vision and cultivate confidence and peace of mind across your financial journey.
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I was very satisfied & would recommend.”
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Financial Planing FAQ’s
Common questions on financial planning and investing
What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a rental property loan that is primarily underwritten based on property cash flow, not personal income or W-2 employment. Approval focuses on rent performance, leverage, and credit profile.
Should I Refinance My Rental Property?
A Practical DSCR Decision Guide for High-Equity Owners
This decision flow is designed for already-performing rental properties — not distressed assets.
Follow each step in order.
STEP 1 — Is Your Property Cash-Flow Positive Today?
Ask yourself:
After paying the mortgage, taxes, insurance, and normal operating expenses, does the property still produce positive monthly cash flow?
YES → Continue
NO → Refinancing may not improve the outcome
DSCR lenders prioritize existing performance, not projected fixes.
STEP 2 — What Is Your Current Loan-to-Value (LTV)?
Estimate conservatively.
- ≤ 50% LTV → Excellent candidate
- 51%–60% LTV → Strong candidate
- 61%–70% LTV → Case-by-case
- Above 71% LTV → Limited pricing
Lower leverage unlocks better pricing and more flexibility.
STEP 3 — How Strong Is Your Rent Coverage Ratio (DSCR)?
Divide monthly rent ÷ total monthly debt obligations.
- 1.50x+ DSCR → Top-tier pricing potential
- 1.25x–1.49x → Acceptable
- Below 1.25x → Likely not a fit
This program rewards excess coverage, not thin margins.
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