Rental Property Financing for Real Estate Investors

Flexible single property, portfolio, and short-term rental loans

Let Heritage Bank help you Finance your next Rental Property

Whether you’re an experienced investor or just starting out, our private lending solutions offer quick approvals, competitive rates, and flexible terms to help you close deals faster. Skip the red tape and focus on growing your real estate portfolio with confidence.

Single Rental Property Loans

Up to 80% Loan to Value

1-4 unit residential properties
Loans from $75,000 to $2.5 million
5 and 10-year ARM options
30-year fixed rate
Up to 80% LTV on purchase and rate/term refinancing
Up to 75% LTV on cash out
Discounted origination fee on refinance
Flexible & zero pre-payment options

Portfolio Rental Loans

Up to 80% Loan to Value

2 or more rental properties, 1 loan
No maximum loan amount or unit count
5, 10, or 30-year options
Unique structure options available
Fixed-rate, ARMs, or interest-only
Non-recourse available
Flexible & zero pre-payment options
Portfolio across states under 1 loan

Short-Term Rental Loans

Up to 75% Loan to Value

Up to 75% LTV for purchases
Up to 70% LTV for cash-out refinance*
1.5+ DSCR
Minimum FICO 700
5, 10, or 30-year term options
Fixed rate, ARMs, fully amortizing, interest only, or balloons

*Must have 12 months of short-term income verification.

Ready to get your next investment property financed?