Whether you’re a first-time buyer or building a diversified rental portfolio, REI Private Money Lending offers purpose-built financing to accelerate your success. As one of the nation’s fastest-growing private lenders, we combine speed, flexibility, and strategic lending insights to empower today's investors—no matter your level of experience.
Long-term rental loans are ideal for investors aiming to buy-and-hold properties for consistent passive income. Our financing products are designed to maximize your long-term ROI by offering:
NEW: Our smart underwriting model includes predictive tools that assess local rent growth, tenant retention trends, and emerging neighborhood data—helping you future-proof your investment.
Feature | Details |
Loan Amounts | $50K – $2M (Up to 75% LTV) |
Interest Rates | Starting at 6.5% |
Origination Points | As low as 2.0% |
Minimum FICO | 660 |
Cross-Collateral Options | Available for 2+ properties |
Portfolio Loans | Evaluated case-by-case for scale-oriented investors |
In a rapidly shifting market, investors need more than capital—they need foresight. Our analysts monitor:
We’re actively developing loan models to support ADU investments, urban infill strategies, and green retrofitting—equipping our borrowers to lead, not follow.
REI Private Money Lending is committed to expanding access to real estate investing. We recognize systemic barriers that underrepresented groups face, including lower average credit scores and limited generational capital. That’s why we:
Lease the home to stable tenants to generate steady income.
While bridge loans provide agility, they come with short timelines and higher interest rates. At REI Private Money Lending, we conduct a suitability assessment with every borrower to ensure the loan structure matches your:
We value long-term relationships over short-term wins.
The goal of real estate investing is to create a positive cash flow, whether its short bursts of large ROI with fix and flips or smaller amounts of money over long periods of time with rental property. Investors that decide to buy property and hold it as an income-producing asset are looking to set themselves up for long-term financial success. Generating passive monthly income through several rental properties at the same time is an excellent way to create a steady cash flow that compounds with the growth and appreciation of the rental portfolio.
ABL strives to provide rental investors with the most competitive rates and leverage, so we brought our term rental loans in-house to lower borrower costs and deliver the five-star service that we are known for. With deals closing in 20 days on average and our document-lite approach, we make the rental loan process quick and easy for all experience levels. If you are a real estate investor that wants to invest in long-term rental property using our rental property financing, contact us today.
As mentioned above, our long-term rental property loans are meant to help investors using the BRRRR strategy or otherwise accumulating rental units. The acronym stands for buy, rehab, rent, refinance, and repeat. The investor purchases a property and renovates it to increase its market value and raise the monthly rent price. After finding a tenant to fill the property, the investor then refinances their loan and uses the newly acquired capital to fund their next rental property purchase to repeat the process. This BRRRR investment is a straight-forward approach that has risen in popularity due to the passive income it generates and the scalability of the investment portfolio.
ABL is constantly paying attention to market trends and borrower interests to better serve real estate investors. As investors ourselves, we wanted to create a term rental loan program that could provide the most reliable rental property financing for BRRRR investments in the industry. We make sure to provide fast and flexible loan options, so investors never miss out on an opportunity due to timing. If you’re an investor that wants to use our rental loans to start or continue the BRRRR method, contact us today.
Great news for STR investors such as AirBNB and Vrbo hosts- we can finance your short term rental property! Typically, its hard to finance vacation rental investments due to seasonality hurting the projected 12-month income. A beach home isn’t going to receive many paying guests over the winter, so even a homerun investment property will have a poor DSCR when viewing the 12-month history.
Our DSCR loans for short term rentals are qualified using data from AirDNA, a service that helps take seasonality into account and provides an accurate assessment of potential cashflow by comparing to other active short term rentals in the area. By looking at the full picture, ABL can offer our signature five-star service and finance your STR property.
Whether its a single unit or an entire portfolio, our AirBNB loans make financing your business a breeze. Contact us today to discuss how we can help you start or scale your STR investments.
There are multiple benefits to using ABL for your rental property loans.
The long-term financing for your rental property is not a hard money loan. For projects with a purchase and rehab component, the initial loan will be a hard money fix and flip loan with a cash out refinance exit strategy.
While all loans are different and structured to meet the individual investor’s needs, the typical rental loan is a 30 year fully amortizing loan with rates as low as 5.75%. We lend up to Up to 80% LTV with an average DSCR requirement of 1.2 (although lower DSCR programs are available).
