We offer long-term loans for Texas rental properties with great rates and fast service. Our Long-Term Rental Property Loans have stricter income requirements than our hard money loans but have significantly lower interest rates. We offer different DSCR loan options for purchase or refinance to fit many common real estate investment situations.

We lend on long-term and short-term rentals, including single-family homes, condos, and 2–4 unit properties. Grow your return on investment with our Texas rental property loans. These loans are built to help investors get stable, long-term funding.

Rental Property DSCR Loan Highlights

  • Maximum loan to value up to 80%
  • Purchase, refinance and cash-out refinance
  • SFR, condos and 2-4 unit properties
  • Minimum loan amount of $150,000
  • Minimum DSCR of 0.80x
  • 660 minimum credit score
  • 6 months PITIA / ITIA reserves required
  • Appraisal required
  • 30-year fixed-rate and 10-year interest-only options
  • Interest rates starting at 5.5%
  • Fixed and declining prepayment penalty options
  • Occupancy not required at closing
  • Permanent/non-permanent residents, and foreign nationals ok
  • Inexperienced investors ok

You can learn more about Long-Term Rental Property Loans by contacting our team for a personalized quote.

Get Funded Now

Think you might not qualify for our long-term rental loan product? Check out our hard money loans. They might just be the answer you’re looking for.

How do I get a rental property loan from Little City Investments?

  1. Either get a Texas rental property under contract or own a Texas rental property with some equity.
  2. Fill out our short loan application. We’ll respond quickly with loan terms and next steps. We only do a quick credit check at first, and it will not affect your score.
  3. If you approve of the preliminary terms, we collect all items needed for approval review and order the appraisal of the property.
  4. Once the underwriting and appraisal review is complete, we lock your terms and can close within one business day. The typical time frame to close is approximately 2 weeks from start to finish and mostly depends on the appraisal timeline.

Apply today to see if you qualify for our Long-Term Rental Property Loans and enjoy flexible, competitive funding solutions.