Build Wealth with Long-Term Rentals
Our Long-Term Rental program is built for investors looking to create steady cash flow and long-term equity through rental properties. Whether you’re acquiring your first rental or refinancing an existing portfolio, we offer competitive 30-year loans with flexible underwriting and fast closings. Preserve liquidity, lock in long-term rates, and build generational wealth—all with a lending partner who understands your investment goals.
Loan Program Details:
Loan Term: 30-Year Fixed
Minimum Loan Amount: $75,000
Minimum Property Value: $115,000
Maximum Loan Amount: $2,000,000
Loan-to-Value (LTV):
Purchase: Lesser of 80% As-Is Value or 80% Loan-to-Cost
Refinance: Up to 80% of As-Is Value
Cash-Out: Up to 75% of As-Is Value
Minimum FICO Score: 650
Eligible Property Types:
Non-owner occupied 1–4 unit properties
Condos and townhomes
Prepayment Penalty: 0–5 year options available
I consent to receive SMS notifications, alerts, and occasional marketing from Deal Ready Fund. Message frequency varies. Msg & data rates may apply. Text HELP to (484) 623-6460 for help or STOP to unsubscribe anytime.
Frequently Asked Questions
What types of loans do you offer, and how do I know which one is right for me?
We offer Fix & Flip, DSCR (Long-Term Rental), Short-Term Multi-Family, Long-Term Multi-Family, and Earnest Money Deposit (EMD) loans. If you’re flipping a single-family home, Fix & Flip is ideal. For long-term rental properties, the DSCR loan offers 30-year terms. Multi-family investors can choose short-term bridge loans or long-term holds. If you need fast funds for an earnest deposit, our EMD loan is the way to go. Not sure? Our team can guide you based on your goals and property type.
How quickly can I get approved for a loan, and what is the process like?
Pre-approvals are typically issued within 24 hours. The process starts with a short online application, followed by document verification (such as ID, credit score, and property details). Once reviewed, we issue terms and begin underwriting. Our goal is to fund your deal quickly and efficiently.
What are the eligibility criteria for obtaining a loan from your platform?
Eligibility depends on the loan type, but generally includes:
Minimum credit score of 650–680
Minimum property value (from $75K to $250K depending on product)
Experience not always required, but favorable
Non-owner-occupied or investment use
Our team will review your deal and advise you on the best options.
How do your interest rates compare to other lending institutions, and are they fixed or variable?
Rates are competitive and depend on your credit, property, and loan type.
Fix & Flip and Short-Term Multi loans generally have short-term, interest-only options.
DSCR and Long-Term Multi loans come with fixed-rate, 30-year terms.
We offer transparent terms with no hidden fees.
Can I repay my loan early without facing penalties?
Yes! Most of our loan products offer flexible prepayment:
Fix & Flip and Short-Term Multi: No prepayment penalty
DSCR and Long-Term Multi: 0 to 5-year prepay options (varies by loan)
Check your term sheet for specifics.
What happens if I miss a payment, and what options do I have if I’m struggling to make payments?
If you anticipate missing a payment, contact us immediately. We may be able to help you restructure or refinance. Open communication is key—we’re here to support you, not penalize you. Late fees may apply depending on your agreement.
How do I apply for a loan, and what documents do I need to provide?
Applying is simple. Start online or schedule a call with our team. You’ll need:
Proof of identity
Credit score (soft pull or report)
Property address & details
Rehab budget (if applicable)
Proof of funds or experience (EMD only requires ID & deal terms)
We walk you through everything from application to close.
