Property type
Single-family rental loans, matched to your deal
A single-family rental loan finances a one-to-four-unit home held for rental income rather than occupied by the owner. Two routes exist: a business-purpose loan that qualifies on the property’s rent and closes in an LLC, and a conventional investor loan that qualifies on your personal income and tax returns. Lenders differ on how they count short-term rental income, how many financed properties they allow, and what reserves they require, so the same house can be quoted very differently by different programs.
- 20,000+loan programs screened
- 5–8matches on a typical deal
- Zero upfrontto submit and compare offers
- 1 hourmedian first offer
Who is a single-family rental loan actually for?
Investors buying or refinancing a house, townhome, condo or two-to-four-unit building they intend to rent out: a first rental, a growing collection of houses in one market, or a short-term rental in a vacation market. Investors who want the property vested in an entity, or whose tax returns understate their real position, usually take the business-purpose route. Investors with clean personal income and few financed properties can often use conventional investor financing instead.
What do single-family rental lenders disagree about?
How rent is evidenced and whether short-term rental history counts, how many financed properties one borrower may hold, whether the loan can close in an LLC, what reserves are required, how a newer investor is treated, and how prepayment is structured. Two programs can look at the same house with the same lease and reach different leverage and pricing because their rules differ, not because one misread the deal. That spread is the case for having several quote at once.
When does a rental portfolio loan fit better?
When the investor holds several houses and wants one loan, one payment and one lender relationship instead of a separate mortgage on each. A portfolio or blanket structure can also release equity across the group at once. For a single house, or two or three in different markets, individual loans usually stay simpler and cheaper to close.
How does getting matched actually work?
You describe the deal once — about five minutes — and it is screened against 20,000+ loan programs. Most deals return 5–8 matches, and the median first offer arrives in under an hour. There is Zero upfront; the fee is 0.50–1.00%, paid only at closing.
YieldStack is a commercial mortgage brokerage, not a lender. The rate, the leverage and the credit decision belong to the lenders competing for your deal; our job is making sure the right ones see it at the same time, so the terms you compare are real competition rather than one desk’s appetite.
What do lenders actually look at?
Every program weighs these in its own way — which is the argument for several quoting at once.
- Whether in-place or market rent covers the proposed payment on the lender’s own math
- The property’s condition and whether it is rent-ready or needs work first
- The entity, the guarantor and how many other financed properties they hold
- Reserves and liquidity after closing
- The exit, and whether this loan is the hold or a step toward one
Frequently Asked Questions
Can I close a single-family rental loan in an LLC?
Yes on the business-purpose route, which is built for entity vesting. Conventional investor loans generally close in the individual’s name, so the choice of route often follows how you want to hold title.
Do lenders count short-term rental income?
Some do and some do not, and those that do differ on the evidence they want: booking history, market data or a lease. It is one of the biggest sources of disagreement between programs, and worth surfacing early in the file.
Does a two-to-four-unit building count as single-family?
For most lenders, yes: one-to-four residential units are underwritten as a small residential rental, on the same two routes. Five units and up move into multifamily programs.
Can I finance a house that needs renovation first?
Usually not on a long-term rental loan, which wants a rent-ready property. A bridge or fix-and-flip structure funds the work, and the rental loan is the refinance once the house is leased.
Is YieldStack a lender?
No. YieldStack is a commercial mortgage brokerage, not a lender. Every term sheet comes from a lender in the network and is subject to that lender's underwriting.
Does it cost anything to see terms?
No. It costs Zero upfront to submit a deal and review offers; YieldStack's broker fee is 0.50–1.00% of the loan amount and is paid only at closing.
Is financing guaranteed?
No. Every credit decision is made by the lender; YieldStack arranges the introductions and negotiates on the borrower's side, and no loan, rate, or closing is guaranteed.
Where does YieldStack operate?
Nationwide. YieldStack arranges commercial real estate financing nationwide. Every deal is business-purpose commercial financing, and the broker fee is paid only at closing.
One deal.Several lenders.
YieldStack is a commercial mortgage brokerage, not a lender.