30 Year Rental Property Loans
BRRRR + Rehab to Rent Strategy
The best option to refinance a hard money loan into a long term 30 year rental loan
Purchase, Refinance, Cash out investment property loans.
30 Year Rental Loans For Investment Properties
30 Year Rental Loans are a very helpful tool for investors that want to buy a rental property without all the red tape from a bank. They can also be refinanced and cash out using the BRRRR method after completing a rehab on their property. This is the most suitable loan for landlords. This program works well for those investors looking to portfolio multiple cash-flowing rentals. We do not look at your personal income, rather the property income (debt service ratio) to figure out how much we can lend on that particular property.
Refinance a Hard Money Loan
Have you found yourself at the end of your short term bridge loan and you need to refinance a hard money loan? This is the right product for your investment property loan. It allows you to move from high interest rate short term money to a long term lower rate 30 year rental loan. It has become quite popular to refinance a hard money loan into this loan product over the last few years.
Can you refinance a hard money loan? The short answer is yes. However, you should read your closing package for your hard money loan to see if you have a prepayment penalty on that loan. Most short-term hard money loans do not have a prepayment penalty, however there are some that do. The cost of this penalty could be prohibitive if you don’t wait for that penalty term to expire.
How quickly can you refinance a hard money loan? This all depends on who the lender is. Some lenders, like banks, can take 30-60 days to close your loan. While some hard money lenders drag their feet on this type of loan and close in 4-5 weeks. We can refinance a hard money loan for you into a 30 year rental loan in as little as 2 weeks.
Are you looking to rehab and then rent? Use our ARV Fix and Flip loan product and then roll your loan into this program as a long term hold.
How to get a 30 Year Loan for your investment property
1. Make sure you are ready on your end – cash down payment (at least 20% down) and credit worthy.
2. Find a property in an area that has high rental incomes vs purchase prices. Many investor areas support the 1% rule. The 1% rule says you should be getting 1% of the purchase price per month in rental income.
3. Find a lender, like HardMoneyMan.com LLC, that specializes in lending to investors (not homeowners).
4. Make sure you have all of the numbers needed to evaluate your deal – purchase price, rental income based on 12 month market rents (as well as the current rent on the property), yearly property taxes and yearly property insurance.
5. Contact your lender to run the property debt service numbers (known as DSCR), to find out how much debt (mortgage) this property can handle.

Long Term 30 Year Landlord Loans
This is unlike any other soft money program on the market today. Closing times in as little as 15 days, credit scores from 660 and up and loan amounts from 75K and up.
If you’re looking for a 30-year product – fixed rate, 5/6.7/6 or 10/6 ARV we have what your looking for! Fill out the application on this page to get your deal priced out . This is for 1-4-unit residential properties, townhouses and condos ONLY. No commercial or owner-occupied homes allowed.
30 Year Loan Highlights
- Most competitive market rates out there!
- 660+ Mid Credit Score required
- Property Types – Single Family, 2-4 unit, Condos, Townhouses
- Closings in 15-20 days
- Approvals in 30 minutes or less
- Available in 45 states + Washington DC
- Single properties or portfolio loans available
- Bank Statements only – No borrower DTI requirements (no tax returns, no paystubs to qualify)
- Non-Owner-Occupied properties only (no homeowner loans)
- 1.2 DSCR Requirement
- Seasoning requirement 90 days when there is existing debt on the property (otherwise 180 days)
- “As is” Appraised value must be $100K or greater
- Minimum 75k loan amount – no exceptions
- Loan to values
- Purchase: Lesser of up to 80% of the As-Is Value or Up to 80% Loan-to-Cost
- Refinance: Up to 75% of the As-Is Value
- Cash-Out: Up to 75% of the As-Is Value