Rental Property Financing

Finance investment properties around property cash flow, leverage and portfolio strategy—not owner-occupied borrowing rules.

One category. Several investor use cases.

Karpata evaluates rental financing for purchases, rate-and-term refinances, cash-out refinances, portfolio growth and equity access. Structures vary by unit count, property type, borrower profile, seasoning and cash flow.

1–4 unit rental properties
5–8 unit small multifamily
9+ unit apartments
Short-term rental scenarios
Portfolio and blanket financing
Rental equity loans / second liens

Typical screening considerations

Leverage: Up to 85% LTV on select 1–4 unit programs
Cash flow: DSCR generally measured against PITIA
Documentation: Property-focused alternatives to traditional income documentation may be available
Use: Purchase, refinance and cash-out

Program limits vary by lender, property and borrower. Final terms require underwriting.

Rental financing questions investors should answer early

What is the actual DSCR?

Use market-supported rent and full PITIA rather than a rough mortgage payment.

How much equity do you want to preserve?

Maximum leverage is not always the best long-term capital decision.

What is the prepayment tradeoff?

Rate and prepayment structure often move together. Compare total strategy, not just note rate.