We have the Mortgage Programs You Need
Programs
Purchase
If you’re buying your first rental property or adding an additional one to your rental portfolio, this program is for you.
highlights:
No income or employment verification
Down Payment as little as 20%
Qualifying credit score as low as 620
Gift funds & seller credits allowed
Loan Amounts from $100,000 to $3,500,000
Eligible property types include Single Family, 2-4 Units, Townhomes, Condominiums, Condotels, Manufactured housing, Multifamily 5-8 Units, Mixed Use
Eligible citizenship types include US Citizen, Permanent & Non-Permanent Resident Alien, ITIN, Foreign National
First Time Homebuyers eligible with restrictions
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Online application
Photo ID for all borrowers
Purchase contract
Seller’s existing lease, if applicable
Most recent monthly bank statement showing funds to close the transaction and reserves (usually 3 months of payments)
Entity documents if vesting to an existing entity
A property appraisal (we order this)
Additional conditions may apply based on full file analysis
Refinance
If you’re taking cash out or reducing the interest rate on your existing rental home’s mortgage, this program is for you.
highlights:
No income or employment verification
Borrow up to 80% of the property value
Qualifying credit score as low as 620
Loan Amounts from $100,000 to $3,500,000
Eligible property types include Single Family, 2-4 Units, Townhomes, Condominiums, Condotels, Manufactured housing, Multifamily 5-8 Units, Mixed Use
Eligible citizenship types include US Citizen, Permanent & Non-Permanent Resident Alien, ITIN, Foreign National
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Online application
Photo ID for all borrowers
Existing monthly mortgage statement
Existing homeowners’ insurance policy
Existing lease, if applicable
Most recent monthly bank statement showing reserves (usually 3 months of payments), which can be waived on cash out transactions
Entity documents if vesting to an existing entity
A property appraisal (we order this)
Additional conditions may apply based on full file analysis
Fix and Flip
Designed for experienced real estate investors looking to rehab and flip a property. This program allows you to maximize your leverage, financing a portion of the acquisition price and up to 100% of repairs in one transaction.
highlights:
No income or employment verification
Finance up to 90% of the purchase price and 100% of the rehab costs
Borrower(s) must have completed at least one fix and flip transaction in the last three years
Qualifying credit score as low as 680
Loan Amounts from $100,000 to $3,000,000
Eligible property types include Single Family, 2-4 Units, Townhomes, Condominiums
Eligible citizenship types include US Citizen, Permanent Resident Alien
12–24 month terms, Interest Only
No prepayment penalty
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Online application
Photo ID for all borrowers
Purchase contract
Contractor(s) plans and estimate(s)
Most recent monthly bank statement showing funds to close the transaction and reserves (usually 6 months of payments plus 10% of the rehab budget)
Entity documents if vesting to an existing entity
A property appraisal (we order this)
Additional conditions may apply based on full file analysis
Fix to Rent
Designed for experienced real estate investors looking to rehab a property and retain it as a rental. This program allows you to finance repairs and retain the property for tenant occupancy once completed.
highlights:
No income or employment verification
Borrower(s) must have completed at least one fix and flip transaction in the last three years
Qualifying credit score as low as 680
Loan Amounts from $100,000 to $3,000,000
Eligible property types include Single Family, 2-4 Units, Townhomes, Condominiums
Eligible citizenship types include US Citizen, Permanent Resident Alien
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STEP 1
Finance up to 90% of the purchase price and rehab costs
9- or 12-month term, Interest Only
No prepayment penalty
STEP 2
Roll into a streamlined refinance and convert to a fully amortized 30-year term at 80% of the after-repair value
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Online application
Photo ID for all borrowers
Purchase contract
Contractor(s) plans and estimate(s)
Most recent monthly bank statement showing funds to close the transaction and reserves (usually 6 months of payments plus 10% of the rehab budget)
Entity documents if vesting to an existing entity
A property appraisal (we order this)
Additional conditions may apply based on full file analysis
Available States
Entity vesting
Entity vesting refers to how the ownership of a property is legally held—specifically to a legal entity like an LLC or corporation.
Key Benefits
For real estate investors, vesting a property in an entity (such as an LLC) offers key benefits:
Liability Protection: Separates personal assets from business assets, protecting you from lawsuits or claims related to the property.
Tax Flexibility: Allows for pass-through taxation and potential deductions specific to business entities.
Scalability: Easier to manage multiple properties and partnerships under a unified structure.
Estate Planning & Asset Management: Allows for more control in transferring ownership and managing portfolios over time.
Entity Vesting Support
How Rentopia Mortgage Supports Entity Vesting:
Our loan products are structured to support:
Title vesting in business entities
Flexible documentation requirements
DSCR based underwriting—no personal income needed
We’ll guide you through the process of entity documentation, ensure the vesting structure aligns with your investment strategy, and work directly with the lender to keep everything smooth and compliant
No Entity? No Problem! In most states, we can handle the paperwork for you!
The Rentopia Mortgage Process
Process
Simple. Fast.
Investor-Focused.
1. Quick Pre-Qualification
Create an online account on our secure portal and submit a brief application. As a reminder, we never collect any information about your employment or income! We assess your credit, investment goals, and property details to determine your eligibility and loan options.
What You’ll Need:
Basic personal info
Property address (if available)
2. Personalized Loan Strategy
We will review your application, match you with the best loan product based on your investment goals, and call you to discuss next steps. At this time, we’ll provide you with a list of required preliminary documents which you can upload via the secure portal.
you get:
Tailored loan options
Transparent terms
Answers to your financing questions
3. Fast Processing
Our investor-first team expedites processing, focusing on property performance—not traditional income documentation. At this time, you’ll receive a link to electronically sign a set of initial disclosures. These disclosures provide some basic information regarding loan terms etc, and are not binding. You are not obligated to proceed simply by signing these disclosures.
we handle:
Appraisal coordination
Title & entity verification
Any property-specific documentation
4. Underwriting
We handle the underwriting process on your behalf—working directly with underwriting to streamline approvals and keep your deal moving forward without delays. At this time, we’ll provide you with a list of required final documents which you can upload via the secure portal.
We handle:
Communication with all parties involved
Collection and satisfaction of underwriting conditions
5. Clear to Close
Once underwriting is complete, we finalize your documents and schedule closing—often in as little as 10–21 days.
Final Steps:
Review and sign closing docs
Fund your deal
Get the keys (or keep the tenants!)
6. Invest, Repeat, Grow
We’re not just here for one deal—we’re here to help you scale. As your portfolio grows, we’ll continue to provide fast, flexible funding to keep you moving.
FAQ
frequently asked questions
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Most new investors start with single-family rentals or small multifamily properties (like duplexes or triplexes). They’re easier to manage and finance while still offering solid returns.
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Not necessarily. While a good credit score helps, many investor-friendly mortgage companies (like Rentopia Mortgage) offer flexible loan programs that look beyond just credit—especially if the property generates solid rental income.
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A DSCR (Debt Service Coverage Ratio) loan is based on the property’s income—not your personal income. Even if the rental income doesn’t cover all of the mortgage payment, you can still qualify—no W-2s or tax returns needed.
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Most investor loans require a down payment of 20%, plus closing costs. This will vary based upon multiple factors such as credit score, property type, etc.
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Yes! Many investors use LLCs for asset protection and tax planning. Rentopia Mortgage offers financing options for properties vested in an LLC or under a business entity. We can also assist you with the creation of an LLC for vesting purposes!
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With investor-focused lenders like us, closings can happen in as little as 2–3 weeks—sometimes even faster, depending on the loan type and property.
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We guide you through every step—from pre-qualification to closing—offering education, custom loan options, and hands-on support so you can invest with confidence.
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We specialize in helping real estate investors succeed with flexible, low-hassle financing—including no-income-verification options. Our team understands your goals and moves at the speed of opportunity.
Let’s unlock your next investment opportunity—on your terms.
Click below to get started and see how simple building wealth through real estate can be.