Rental loan programs
We support you as a landlord
Choose the mortgage option that best fits your investment needs and business growth.
5/1 7/1 30-year
ADJUSTABLE RATE ADJUSTABLE RATE FIXED RATE
Our terms are here to help
Finance a new purchase, refinance a property you own, or free up cash in your portfolio with us.
Fill out our Loan Application to Find Out Rate and Terms
- 2-4plex, detached-pud, and single-family properties*2
- Individual and entity borrowers eligible
- Minimum 640 FICO requirement
- Cash-out up to $500,000 after 4 months*3
- No prepayment penalty after 3 years
*1 Rates and LTV are based on loan term, borrower qualifications, and property factors and are subject to change
*2 Non owner-occupied rental properties only.
*3 Cash-out LTV based solely off of appraised value, not cost basis.
Rental Loan FAQs
What states does RCS offer rental loans in?
We Currently offer Rental Loans in NY, CO, GA, TN, TX, WA, WV, FL, IL, LA, OH, MO, MI
Are you going to offer rental loans for other property types?
In addition to 2-4plex, detached-pud, and single-family properties, we are rapidly growing and plan to add additional property types soon.
What is a 5/1 ARM, 7/1 ARM, and 30-year fixed?
A 5/1 ARM, and 7/1 ARM are 30-year adjustable-rate mortgage products. Your rate will be fixed for the first five (5), or seven (7) years, then will change once (1) per year for the remainder of the mortgage. The change in interest rate is tied to a published index reflecting market conditions. We offer a fully amortized option for this product.
A 30-year fixed mortgage has the same interest rate for the entire duration of the loan.