Long-Term Rental

A Lender for the Long-Term

Patch offers competitive rates on long-term rental financing, plus great takeout options for investors seeking to purchase, refinance, or cashout to buy additional investment properties.

Program Highlights

Get Single Property and Portfolio Rental Loans at Competitive Rates

  • Available for rental properties, including short-term VRBO and Airbnb

  • 30-year loan term (with 5-year interest only option)

  • Competitive rates

  • Up to 80% LTV

  • Loans from $100,000 to $3,000,000+

  • Portfolios up to $3,000,000

  • Low 650 minimum FICO

Rate Lock Available with Low Minimum 660 FICO & DSCR from 0.80x

Lock In Your Long-Term Rate for 30 to 60 Days

Market instability, rising interest rates, inflation, and fluctuating terms have made it challenging to close Long-Term Rental loans. Patch can help make your rental investment property financing simpler with competitive fixed-rate loans. Your Rate Lock can apply for 30 to 60 days, so don’t wait—call now to lock-in a great rate.

Marc and Jocelynn were great to work with and exceptionally responsive. That alone is of utmost importance in this business. They were both professional, knowledgeable, flexible within their ability and helpful. They are both hard workers and the results show. I will use Patch Lending again!
Borrowing with Patch

Learn More About Our Long-Term Processing Requirements

Working with Patch is Easy

  1. Apply

    Tell us about your project by submitting a simple online application.

  2. Get Approved

    Send us your docs. We’ll do the due diligence needed to get approval.

  3. Get Funded

    Get the money you need to get your investment underway.

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