NexCall Funding provides real estate investors with financing solutions designed to help expand rental portfolios, maximize property cash flow, and unlock cash in investment properties. Our rental financing solutions are built to support investors looking to grow strategically while maintaining flexibility and speed throughout the financing process.
Unlike many traditional banks, our rental property loan solutions do not require income verification, W-2s, or tax returns. Instead, loan qualification is primarily based on the strength of the property’s cash flow—not personal employment income. Elements of the investor's credit profile may also be considered. This streamlined approach allows investors to qualify more efficiently and close faster than conventional financing options.
This type of financing solution is ideal for investors seeking to purchase new rental properties, rate and term or cash-out refinances or consolidate and reposition assets within their portfolio. Our faster closing timelines can also help investors act quickly in competitive real estate markets and capitalize on time-sensitive opportunities.
Whether you are scaling a large portfolio or purchasing your first rental property, NexCall Funding can help with flexible financing solutions tailored to your investment goals.
Common Reasons For Refinance
- Lower Payment
- Access Cash
- Maximize Cash Flow
- Use Cash To Invest In Other Projects
Rental Funding Overview
Purchase
Rate and Term
Cash Out
LTV
Up to 85%
Up to 80%
Up to 75% (80% Limited Cash Out)
Minimum Loan Amount
$100,000
$100,000
$100,000
Minimum FICO
660*
660*
660*
Term
30/40 Year Fixed & IO
30/40 Year Fixed & IO
30/40 Year Fixed & IO
Minimum DSCR
1.00**
1.00**
1.00**
Occupancy
Non-Owner Occupied
Non-Owner Occupied
Non-Owner Occupied
Eligible Property Types
SF, 2 - 4 Units. Condo, 5+ Units***
SF, 2 - 4 Units, Condo, 5+ Units***
SF, 2 - 4 Units Condo, 5+ Units***
Borrower Type
Entity or Individual
Experience Required
Funding solutions available for all levels of experience
*660 – 679 Fico may require extended terms
**Subject To Change Based on Program
***Contact us for terms on Multifamily properties. 700 Fico required.
****Loan terms and deal structure are subject to lender verification of credit, background and real estate investing experience. Not all clients will receive the maximum advance rates or the lowest interest rates. All loan submissions are subject to lender underwriting.
