Long Term Rental Loans

Rency offers long-term rental loans with rates starting at 5.0% and up to 80% LTV for purchases. Designed for real estate investors focused on rental income, these loans provide stable, flexible financing with 21-day closings and step-down prepay penalties. Minimum FICO of 680 and loan amounts starting at $100K ensure accessibility for seasoned and growing portfolios alike.
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UP TO
5.0%

Rates Starting At

80%

Purchase LTV

Max leverage on acquisition

75%

Refi LTV

Refinance your existing property

$100K+

Minimum Loan Amount

Fast, no-nonsense timelines.

680+

Min FICO

Credit required

21 Days

Fast Closings

Get funded quickly

Step-Down Prepay Penalties

Options: 5-Year, 3-Year, or 1-Year exit plans

Getting Started with Rency

1

Submit A Loan Request

Apply and fill out the quick form to tell us about your deal.

2

Review Loan Terms

We’ll send you competitive terms tailored to your project.

3

Deal Finalized, Funds Released

Sign and close—your funds are on the way.

Apply Now

Stable Financing for Long-Term Rentals

With rates starting at 5.0%, our loans are built for real estate investors looking for predictable, steady returns through rental income.

Flexible Options to Refinance or Acquire

Access up to 75% LTV on refis and 80% on purchases. Whether you’re growing your portfolio or locking in better terms, we’ve got you covered.

Quick Closings, Low Minimums

Approvals typically come within 21 days, and loan amounts start at $100K—ideal for both seasoned investors and first-time landlords.

Step-Down Prepay Plans

No long-term lock-in. Choose from 5-, 3-, or 1-year exit options with clear, step-down prepayment terms that match your investment goals.
Partner with us and secure funding across the nation.

Where We Lend

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*Some loan programs are excluded. Apply to find out.

A Smarter Approach to Real Estate Financing

Fast & Simple Funding – Minimal paperwork, quick approvals.
Direct In-House Servicing – No middlemen, just seamless transactions.
Flexible Loan Control – We manage funds efficiently to keep projects on track.
Competitive Rates – Financing that works for you, not against you.

Ready to get started?

One of our loan origination managers will be in touch within 24 hours to go over your loan details.
Get started

The terms listed represent our highly qualified scenarios and are subject to borrower qualification, credit approval, and verification of information. Not all applicants will qualify for these terms. Rates, terms, and conditions are based on the review of both the borrower and the investment. Certain loans may be borrowed by a partnered lender as direct lending is evaluated on a case-by-case basis. Exceptions can be made to loan criteria as each loan is evaluated on a case-by-case basis.