Rental Property Loans

Buy, Refinance, and Grow with a Rental Property Loan

Rental financing is core to what we do. Our rental property loans are built to help you buy, refinance, and hold income property, with terms shaped around what the property earns and an AI-powered platform that shows you the numbers before you commit.

Get Pre-qualified Online
A real estate investor is reviewing a rental property loan financing options for a rental property loan on a laptop while seated at a table with a cup of coffee.
About Rental Property Loans

Rental Financing for Every Strategy

We built our rental property loans around the moves real estate investors actually make: buying the next rental, refinancing one you already own, or pulling equity out to keep growing, across single-family rentals (SFR), PUDs, 2-4 unit properties, and condos.

An investment property loan representing the properties and flexible options you have with a Kiavi rental property loan.

Built to Hold

Choose 30-year fixed or ARM terms sized to your hold, so the financing can fit how long you plan to keep the property.

A piggy bank icon representing the reuse of equity you can use with a Kiavi rental property loan.

Reuse Equity

Pull cash out of a property you own, after 90 days or when free and clear, to help fund your next rental purchase.

A hammer in a cycle representing the BRRRR method you can use with a Kiavi rental property loan.

Rehab, Rent, Repeat

Move from rehab financing to a long-term rental loan without changing lenders, so your BRRRR cycle never loses momentum.

A smartphone displaying the Kiavi rental property loan comparison tool overlaying a modern single-family home with blue siding, stone accents, and a well-landscaped front yard.
A hand holding a key with several cardboard boxes in the background, symbolizing the purchase of a rental property.
Rates & Terms

Rental Property Loan Rates + Terms

We build your rental property loan terms around what the property earns, not just you as the borrower, so you can plan your next move with a clear view of the numbers.

See Your Rate
Rates as low as 5.875%†
interest only
Up to 80% LTV (loan-to-value)
money
No prepayment penalty after year 3
cash
5/1 + 7/1 ARMs fully amortizing
fix-flip
30-yearfixed rates
calendar
Interest-only options
interest only
  • Ask About Our Cash-Out Refinance Options
For rent sign on the lawn of a rental property secured with Kiavi real estate investment financing.
Rental Loan Basics

What is a Rental Property Loan?

A rental property loan is long-term financing for a property you buy to rent out, qualified on the property's cash flow rather than your personal income. Kiavi measures that with a debt service coverage ratio (DSCR), which could make qualifying simpler for real estate investors who do not document W-2 income.

This is the loan we know best: we built our platform around rental financing, so qualifying on the property instead of your paycheck is the standard here, not a workaround. For how the ratio is calculated and a worked example, see how DSCR loans work.

Learn More
How Kiavi Compares

See How a Kiavi Rental Loan Stacks Up

When your goal is to buy and hold, a rental property loan is usually the best fit: it qualifies on the property's income, while a conventional mortgage leans on your personal income and a bridge loan is meant for short-term holds. It is also the one we know best. Here is how the three compare.
Feature
Kiavi Rental
Property Loan
Conventional
Mortgage
Other Rental
Lenders
Best For
Buying and Holding a Rental Property for the Long Term
A Primary Home or a Few Financed Properties
Buying and Holding a Rental Property
Credit Check to Get a Quote
No Hard Credit Pull for Initial Quote*
Hard Credit Pull Typically Required
Varies by Lender
Income Documentation
No Tax Returns or W-2s Required
Tax Returns and Pay Stubs Typically Required
Varies by Lender
Qualifies On
Property's Rental Cash Flow
Your Documented Personal Income
Property's Rental Cash Flow
Rent Used to Qualify
 Qualify Lower of 110% of Appraised Market Rent and Your Valid Lease Rent
Subject to DTI & Form 1007 Market Rent
Varies by Lender
Typical Term
30-Year Fixed, 5/1 and 7/1 ARM
15 or 30-Year Fixed
Varies by Lender
Financing Multiple Properties
Built for Real Estate Investors to Finance Multiple Rentals Over Time
Often Limited by Personal Debt-to-Income
Varies by Lender
Closing Speed
Streamlined Online Closing†
Often Several Weeks
Varies by Lender
Couple reviewing rental property loan rates on Kiavi's AI-powered platform for real estate financing.
Compare Mode

See Your Options Side by Side Before You Commit

With our NEW Compare Mode, buy your rate down or up and watch how each choice moves your monthly payment and your cash to close, all in one view. It is the kind of call we help real estate investors weigh every day, now yours to run yourself.

  • Buy It Down: Pay points up front for a lower rate and a lower monthly payment.

  • Buy It Up: Take a slightly higher rate for a credit that lowers your cash to close.

Get Estimate
ARM or Fixed

Should You Lock In a Fixed Rate or an ARM?

It comes down to your timeline. An ARM can start lower and suit a planned exit or refinance, while a 30-year fixed locks in a steady payment for a long-term buy-and-hold. Here is how they compare by hold horizon.
Feature
5/1 ARM
7/1 ARM
30-Year Fixed
Initial Rate Period
Fixed for 5 Years
Fixed for 7 Years
Fixed for the Full Term
After the Fixed Period
Variable; Adjusts Periodically with the Market
Variable; Adjusts Periodically with the Market
Rate Stays Fixed for the Life of the Loan
Starting Rate
May Start Lower Than a Comparable Fixed Rate
May Start Lower Than a Comparable Fixed Rate
Typically Higher, in Exchange for Long-Term Certainty
Tends to Suit
A Defined Exit or Refinance Within About 5 Years
A Mid-Term Hold or Planned Refinance
A Long-Term Buy-and-Hold
Amortization
Fully Amortizing or
Interest-Only
Fully Amortizing or
Interest-Only
Fully Amortizing or
Interest-Only
Smiling woman using the Kiavi AI-powered platform on a tablet for rental property financing.
Requirements

What are Kiavi's Rental Loan Requirements?

A property qualifies for a Kiavi rental property loan when it is non-owner-occupied residential and its rent supports the payment, because we underwrite the property, not your personal income. Here is what we look for:

  • Non-owner-occupied residential
  • DSCR, as low as 0.8x†
  • No tax returns, W-2s, or hard credit pull*
  • Purchase, rate-and-term, or cash-out refinance
Get Online Quote
Frequently Asked Questions

Get Answers to Your Rental Property Loan Questions

These are the questions real estate investors bring us most when they are financing a rental property, from choosing a rate structure to scaling a portfolio.

Yes. Real estate investors can finance multiple rental properties as they grow their rental portfolio. You can check your rate online in just a few minutes at, https://app.kiavi.com/m/getRate/index

Single-family rentals, PUDs, 2-4 unit properties, and condos are eligible. Properties must be non-owner-occupied

Kiavi offers 30-year fixed, 5/1 and 7/1 ARMs, and interest-only options.

A conventional mortgage typically qualifies on the borrower's documented personal income, while a rental property loan qualifies on the property's rental cash flow, which may simplify financing several properties over time. Our complete guide to rental property loans walks through the differences in more detail.

A rental property loan is long-term financing for a property you buy to rent out, qualified on the property's cash flow rather than your personal income. It is the loan Kiavi is built around.

It typically depends on your hold. A 5/1 or 7/1 ARM may start lower and suit a planned exit or refinance, while a 30-year fixed suits a long-term hold where rate certainty matters more.

Yes. Once a property is rented and cash flowing, real estate investors often refinance out of a short-term bridge loan into a long-term rental loan, which could free up capital for the next deal.

Yes. Cash-out refinance is available after 90 days of ownership, or on free-and-clear properties, which may let real estate investors access equity to reinvest.
Reviews

See Why 26,000+ Real Estate Investors Trust Kiavi

From first-time landlords to real estate investors scaling a rental portfolio, Kiavi pairs rental property financing with the support and capital to grow with confidence.

"Kiavi and their team were great to work with and made borrowing a super easy process. Their web portal walked me through every step and process all the way to closing. They made my goal of buying an investment property possible! I highly recommend."
Rob Z
03/24/26 via Trustpilot
"Kiavi has played a crucial role in helping my busisness grow. After completing over 35 loans with Kiavi, I've been able to scale my business by using their reliable and consistent financing. I'm excited to be Kiavi's 100,000th loan, and look forward to our continued growth together."
Preston Letts
06/02/25 via Press
"Working with Kiavi has been a fantastic experience as a new real estate investor. Their team made the process of securing funding for my first deal smooth and straightforward, providing the support and guidance I needed. I’m excited to partner with them again for my next deal and hope to build a long-term relationship with such a reliable and professional team!"
Legacy Stone Partners
01/31/25 via Google
"I just completed a refinance loan on a rental property. I’m a real estate broker with over 20 years in the business and have been involved in many types of loans from various types of lenders. I really must say that I was extremely impressed with Kiavi staff [...]"
Eric R.
12/29/23 via Google
Resources

Keep Building Your Rental Financing Knowledge

Financing a rental property gets easier once you see how the pieces fit together, and we like to share what we have learned along the way. Our resources cover everything from how bridge financing can fund a purchase, when to refinance, and how buy-and-hold financing could support your portfolio growth.

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Ready to Finance Your Next Rental Property?

See your rental property loan options clearly, from your first quote through closing, with a real team that knows rental financing along the way. Start with a quick rate check, no hard credit pull required.

See Your Rate Online