1 point. Rates starting at 7.3%.

Single-Family Residential (SFR) rental property loans for investors. Loans for houses, townhouses, triplex, and quads. 5+ unit Multifamily residential and individual condominium units available on a case-by-case basis. Available in 47 states. Acquisition or refinance. Build/Fix-to-rent go here.

Unlike many lenders, we fund AND service loans. Assistance is just a phone call away. Need a tenant? Need to do work? Don’t get a bridge loan, we can work with you – and save you time & money.

Apply below for an investment property mortgage on a single rental property or a portfolio of investment properties.

7.3%-8.8% Rate

Fixed for 5, 10, or 15 years.

Great Terms

If need more time, 2 year extension option after the 5, 10, or 15 year fixed period at the greater of Prime +1% and the original fixed rate.

Available Options

85% LTC, cash-out, non-recourse, interest-only, no tenant okay, no reserves.

Terms at a glance

1 Point
Rates as low as 7.3%
Up to 75% of Value for single-asset loans
Up to 80% of Value for 5+ property portfolio loans
Interest Only available
Non-Recourse available
7 & 12 Year for investment property Acquisition or Refinance
17 Year for investment property Acquisition (purchased within past 2 years)
Foreign nationals eligible
Coast-to-Coast lending



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Request Term Sheet

Builder Finance Inc. (BFI) provides loans on residential rental investment properties.

Collateral: Acceptable collateral includes 1-4 unit single family residential (SFR) and, on a case-by-case basis, 5+ unit multifamily residential and individual condominimum units. SFR includes houses, townhouses, duplex, triplex, and quadplex. Multifamily includes garden apartment buildings, bungalow courts, and multistory apartment buildings. BFI may lend on a mixed-use building so long as the residential component is at least 51% of the square footage. Rental loans can be on a single property or a portfolio of rental properties.

Borrower: Acceptable borrowers are business entities. Borrowers are almost always limited liability companies (LCCs). The individuals owning a borrower can be experienced or inexperienced with rental properties. BFI may provide greater loan sizes to individuals that have at least 3 years of experience owning rental properties. It is not a requirement to have a third-party property manager.

Application & Timing: The application process is fairly simple. The main item is obtaining a property appraisal. It usually takes several weeks for an appraiser to deliver a proper appraisal. After receipt of an appraisal report, BFI can close the loan in under a week.

Payments: After a loan closes, the monthly payment amount is fixed so it is the same amount every month. BFI uses what is called 30/360 accrual which can save borrowers money and causes the monthly payment amount to be fixed. BFI does NOT require reserves for interest and real estate taxes, the borrower pays those directly.