Build Wealth with Long-Term Rental Financing
Stable, predictable financing designed for investors focused on passive income and portfolio growth.
Loan Hightlights
Flex Financial is dedicated to supporting your future investments with our Long-Term Rental loan program.
Offering a 30-year term and competitive rates starting at 6.00%, this program provides you with reliable, long-term financing solutions.
Loan Criteria
Collateral:
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Planned Unit Development (PUD)
LTV:
Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
Refinance: Up to 80% of the As-Is Value
Cash-Out: Up to 75% of the As-Is Value
Amortization Options:
30-Year Fixed, Hybrid ARMS (5/1, 7/1, 10/1) & Interest-Only Options Available
Property Values:
“As Is” Appraised Value Must Be $100k or Greater (Geographical Restrictions May Apply)
Loan Amount: $55k – $2M
Debt Service Coverage Ratio (DSCR): 1.05
Minimum FICO: 660
Rates: Starting at 6.00%
Long-Term Rental Loan Program Typical Leverages
PURCHASE
| FICO | MAXIMUM LOAN-TO-VALUE (LTV) | MAXIMUM LOAN-TO-COST (LTC) |
|---|---|---|
| 740+ | Up to 80% of the As-Is Value | Up to 80% |
| 700 – 739 | Up to 80% of the As-Is Value | Up to 80% |
| 680 – 699 | Up to 75% of the As-Is Value | Up to 75% |
| 660 – 679 | Up to 70% of the As-Is Value | Up to 70% |
REFINANCE
| FICO | MAXIMUM LOAN-TO-VALUE (LTV) |
|---|---|
| 740+ | Up to 80% of the As-Is Value |
| 700 – 739 | Up to 80% of the As-Is Value |
| 660 – 679 | Up to 75% of the As-Is Value |
| 680 – 699 | Up to 65% of the As-Is Value |
| FICO | MAXIMUM LOAN-TO-VALUE (LTV) |
|---|---|
| 740+ | Up to 75% of the As-Is Value |
| 700 – 739 | Up to 75% of the As-Is Value |
| 680 – 699 | Up to 70% of the As-Is Value |
| 660 – 679 | Up to 60% of the As-Is Value |
Why Choose Flex Financial
Built for Real-World Investors and Business Owners: Flex Financial is designed for borrowers who need certainty, speed, and flexibility—especially when traditional lenders slow deals down or say no.
Speed Without the Red Tape: We prioritize execution. Streamlined underwriting, direct decision-makers, and efficient processes allow us to move quickly from term sheet to funding—so you can secure opportunities before they disappear.
Flexible Credit & Income Requirements: We underwrite the deal, not just the borrower. Our programs accommodate low or imperfect credit, non-traditional income, and complex borrower structures.
Scalable Capital Partner: From $50,000 to $10 million, Flex Financial supports everything from single transactions to growing portfolios across California.
Trusted, Transparent Lender: Clear terms, upfront expectations, and no last-minute surprises. Built by professionals with deep California real estate and lending experience.