Find a lender that specializes in rental properties
Enter your location to match with specialized rental-property and DSCR lenders.
Are you a lender? Become a lender partner →
Qualify on the property’s income
Not just your personal income — DSCR and self-employed programs available.
Match with rental specialists
Compare offers and choose the best terms from lenders who understand rental investing.
A vetted lender network
Only reputable DSCR and rental lenders with competitive rates are matched to your deal.
Why you need a specialized rental-property lender
Most traditional lenders and big banks won’t finance your rental or vacation property based on its rental-income potential. They focus on your personal income instead — missing the real value of your investment.
Our network of specialized lenders understands rentals. They evaluate your property on its income potential, not just your W-2.
“I had an amazing experience working with a DealRatio lender partner for my self-employed loan. They understood the challenges I faced and secured a competitive rate. Highly recommended.”
Loan programs for rental-property investors
Investment property loans
- Up to 85% financing
- Purchase or refinance
- FICO scores from 620+
- Title in an LLC or corporation
- Non-warrantable condos accepted
DSCR loans
Qualify on your property’s income potential, not your personal income. If projected rental income covers the mortgage payment, you can qualify.
Self-employed programs
No W-2s or tax returns needed. Qualify using 12–24 months of bank statements.
Not all programs are available from all lenders. Consult the lenders you’re matched with for specific details on their product offerings.
Matched in three steps.
Enter your location
We identify lenders who specialize in your market and understand its rental dynamics.
Answer a few questions
This helps us match you with lenders offering the right programs for your specific deal.
Get matched
We show you lenders actively funding properties like yours — each pre-screened to fit your needs.
Why investors choose DealRatio’s lender network
- Specialized expertise in rental-property financing
- Reputable & vetted — only top lenders and brokers qualify
- Competitive rates from multiple lenders
- Fast closings to help you secure properties
- Data-backed context using DealRatio market insights
- Programs for DSCR, self-employed, and portfolio buyers
“Choosing a DealRatio lender partner for my self-employed loan was the best decision I made. They relied on my bank statements rather than tax returns — professional and efficient.”
“Working with a specialized lender was a breath of fresh air. Attentive, knowledgeable, and they used my bank statements without the usual paperwork hassle.”
Frequently asked questions
Why not just use a traditional bank?
Traditional lenders typically won’t consider rental income when qualifying you for a loan. Our network of specialized lenders understands the rental market and will qualify you on your property’s income potential.
What information do I need to get started?
Just enter the location or market you’re interested in. Our quick matching process helps identify the right lenders for your specific situation — no phone number required to begin.
How soon can I close?
Our lenders specialize in quick closings for investors. Many can close in as little as 30 days once you’re approved.
Can I finance multiple properties?
Yes. Our lenders work with investors building portfolios and have programs designed for financing multiple properties.
What if I’m self-employed?
No problem. Many of our lenders offer bank-statement programs that don’t require tax returns or W-2s.
Is DealRatio the lender?
DealRatio is a marketing and information service, not a lender or mortgage broker. We connect interested investors with lending partners. We match you with specialized lending partners and never charge you to do it.
All figures are estimates for informational purposes only — not an approval, commitment to lend, or rate offer. Actual terms depend on lender underwriting, credit, appraisal, reserves, and property condition.