RentalOne: 30-Year Fixed-Rate Rental Loans and 5 and 7 Year ARMs

Closings in Weeks Instead of Months

Let us help you grow your rental portfolio, apply now or schedule a call today.


Our RentalOne loan product provides our customers a reliable source of financing through a simple and efficient online loan process. Our 30-year fixed-rate rental loan product was designed to help savvy investors capitalize on the rapidly growing rental market. With attractive rates and up to 75% loan-to-value (LTV) on fixed-rate loans, these loans are a great way to get cash out from your existing rental properties. RentalOne loans begin at $75K and up to $2 million with no personal income verification. *

Get Cash From Your Existing Rental Portfolio

RentalOne asset-based loans can provide the cash you need to grow your rental portfolio. Benefits include:

  • Get cash from rental properties – loans from $75K to $2 million.
  • Lower your blended rate – consolidate higher-rate loans into single mortgage
  • No personal income verification – EZ Short Sales decision based on property cash flow*
  • No hurdles – flexible loan options designed for your buy and hold strategy

    Advantages of RentalOne Loans:

  • Cash out refinances
  • Based on Property Lease – No personal income verification – no W-2 required
  • Minimum seasoning requirements*
  • No hurdles- a very user-friendly and streamlined process
  • Prepayment penalty

    • RENTAL LOAN FAQs

    EZ Short Sales offers competitive rates for both 30-Year Fixed-Rate Loans, and 5/1 and 7/1 hybrid adjustable rate mortgages. All rates are based on individual property and borrower. Call us to learn more.

    The following property types are eligible for our rental loans:

  • Single Family Residence (SFR)
  • 2-4 Unit Properties
  • Warrantable condos must meet Fannie Mae warrantability requirements (LTV cannot exceed 70%)
  • Townhouse
  • 2 acres maximum
  • Non-warrantable condominiums not allowed

    • EZ Short Sales rental loans have a minimum loan amount of $75K and a maximum loan amount up to $2M.

    EZ Short Sales provides lending in all States and District of Columbia except Alaska, Nevada, North Dakota, South Dakota, and Utah.

    EZ Short Sales requires the following documentation from borrowers interested in our rental loans:

  • EZ Short Sales’s online application, completed by borrower
  • 1-month bank statement
  • A list of properties you currently own (a REO Schedule)
  • No Tax Returns Required
  • Lease(s) – (if currently rented)
  • Sales Contract (on purchase)
  • LLC Operating Agreement or Articles of Corporations
  • Driver’s License

    • Other documents and/or materials may be requested based on the individual borrower’s circumstances and collateral.

    Our rental loans are available to the following borrowers:

  • U.S. Citizens
  • Permanent Resident Aliens
  • Non-permanent Resident Aliens
  • LLCs, Limited Partnerships, General Partnerships, Corporations

    • Debt Service Coverage Ratio (DSCR) is a calculation that helps us determine if a rental investment is generating enough income to make its loan payment obligations.

    DSCR is calculated by the following simple formula:

    DSCR = Monthly Gross Income
    PITIA*

    *Principal, Interest, Taxes, Insurance and Association Fees.

    The seasoning resquirements:

  • 3-month seasoning from your purchase date
  • Delayed Financing are permitted

    • The following are the lease requirements:

  • A lease with no less than 3 months remaining at time of close
  • For Unleased properties we can use the market rent from the appraisal

    • No. EZ Short Sales provides commercial only loans that are non-owner occupied (investment) properties.

    Prepayment penalty conditions are as follow:

  • Term: 3 Years
  • 3, 2, 1 step-down prepayment penalty (3% of loan balance in first year, 2% of loan balance in second year, 1% of loan balance in third year)
    • Nisim Davidoff

    Nisim Davidoff

    Broker Account Manager
    Office: 212.935.9999

    Please review our FAQs to get more details about our lending parameters.

    * Our loans are subject to business and investor credit approval, geographic, appraisal and other underwriting requirements.