Are you looking for new investment opportunities and considering getting into rental properties? If so, you need a specific loan type to buy a rental property. There are some key differences between conventional mortgages and rental loans. At Titan Funding, we specialize in loans for rental properties, and we can help you secure the funding you need. When you are looking to purchase an investment property to rent out or eventually flip, you can’t pursue the same type of loan you would for a primary residence. If you’re wanting to rent out a mortgaged home, there are guidelines you must follow if you have a traditional loan. Instead, a rental loan provides reliable funding for the property that you’re looking to purchase but not actually live in. And, with rules in the lending industry-changing regularly, you’ll want to work with a funding company that specializes in these types of loans, like the team at Titan Funding. There are notable differences between a traditional mortgage and a loan for rental property, including: Obtaining a rental loan is more challenging than securing a loan for your primary residence. Lenders know there is a higher chance of late payments and defaults on a rental home loan. If you own a primary residence and a rental home, you’re more likely to default on the rental home loan if you run into financial difficulties. Not all property types may qualify for rental loans. You may be limited to homes, condos, and other single-family units. If you are purchasing a multifamily unit and you plan to live in one of the units, you could be eligible for more conventional loans like a multi-family mortgage. Qualifying for a rental loan could be more challenging, and your interest rate could be higher if you do qualify. The lender’s perceived risk is directly tied to things like the interest rate. If you qualify for a conventional mortgage, you need to make a down payment that’s at least 20% of the sale price to avoid private mortgage insurance. PMI protects the lender if you borrow money and default on the loan. Other types of loans don’t require PMI, though you may need to make a minimum required down payment or agree to a higher interest rate to qualify. Contact Us for More Rental Property Loan Information Titan Funding offers several different types of rental property loans depending on your needs: Hard money loans, also called bridge loans, can finance a new property acquisition, renovations, or improvements, or even be a short-term solution to stabilize rent. They are available for both individuals and corporations. Hard money loans are asset-based, which means the lender is looking for real estate as backing, not your personal credit history. Commercial bridge loans are a specific type of hard money loan primarily used to pay off older commercial property loans or rehabilitate a property. Residential bridge loans are short-term loans that can provide cash to buy a property before securing more permanent funding or removing an obligation. Both property owners and commercial investors can qualify for a bridge loan. Multifamily loans are for investors looking to buy a building with more than four housing units. Multifamily loans can be conventional, short term, government-backed, or portfolio. The type of multifamily loan will vary based on whether you will be living in one of the units or not. As the name suggests, fix and flip loans are ideal for house flippers who need a loan quickly to grab a great deal, start renovations, and quickly get it back on the market. Titan Funding understands that not every borrower’s situation is the same and that each one requires its own solution. We pride ourselves on being flexible in how we award rental loans. Borrowers appreciate that we offer loans that aren’t typically available at a commercial bank or another traditional lender. Our decision process looks more at the property value in relation to the loan amount rather than your credit history. You can receive a decision back within 48 hours in some cases and have your funds available within four days. We offer a wide range of approval amounts, from $100,000 to $5 million. The added bonus is we offer fixed payments rather than variable amounts like some other private lenders do. If you are an investor, you’ll find Titan Funding provides a viable alternative to investing money in something other than stocks. Every rental property loan we offer is backed by real estate holdings, and we thoroughly review every loan request, utilizing data analysis, underwriting, and personal evaluations as part of the vetting process. We send out monthly interest payments to our private lenders so you aren’t responsible for personally collecting or managing your investments. We give you access to numerous private investment opportunities, such as rental property loans, and provide expert advice from our banking professionals. We believe in transparent lending, so you’ll always be kept up to date and know how your funds are performing. This is great for people who want to invest but prefer to avoid the volatility that comes with stock markets. Private lending for rental property loans opens the door to real estate investing without the hassle of buying property, fixing it up, and finding renters. No matter whether you are a borrower or an investor, Titan Funding is here to help. We offer more than just loans — clients love our exceptional turnaround times and high success rates. Even if you are new to all this, we are here to help. Our goal is to make it as simple as possible and as profitable as possible. We understand the business as Titan Funding was founded by senior executives and CEOs. We choose to partner with financial institutions as well as high net worth people to create the best offering of capital solutions for our clients. Many of our team members founded and continue to run sustainable companies. We understand the challenges you are facing and the stress of what comes with operating a business. To learn more about how Titan Funding can help you, contact our Boca Raton offices today at 855-929-1134 or through our online Contact Us form.What Is a Rental Property Loan?
Important Differences Between Traditional Mortgages and Rental Property Loans
Lenders for Rental Loans Are More Stringent
You Could Be Limited to Specific Property Types
Your Interest Rate Could Be Higher
Many Rental Loans Don’t Require Private Mortgage Insurance
Titan Funding Loan Types
Hard Money Loans
Multifamily Loans
Fix and Flip Loans
How Titan Funding Can Help
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Frequently Asked Questions - FAQ
TL;DR: Titan Funding offers rental property loans for investors seeking to purchase or refinance investment properties. These loans emphasize asset value rather than credit scores, providing decisions within 48 hours and funding in as little as four days for amounts between $100 000 and $5 million.
What is private money lending?
Private money lending refers to financing provided by individuals or non‑bank entities for real‑estate investments. These loans are asset‑based rather than credit‑based and usually have short terms with higher interest rates compared with traditional bank loans.
How do I qualify for a real‑estate investment loan through Titan Funding?
Titan Funding evaluates the property’s value and the loan‑to‑value ratio rather than focusing on credit scores. Maintaining an LTV around 60 % and providing a clear plan for the investment increases your chances of approval.
What documents are needed for hard‑money loans?
Documentation typically includes proof of property ownership or purchase contracts, appraisals, and, for construction loans, detailed plans and budgets. Because underwriting is asset‑based, credit documentation is less critical than in conventional lending.
How quickly can I get funded for a property in Florida?
Titan Funding’s underwriting process usually takes about 48 hours, and approved borrowers can receive funds within four days for hard‑money, rental or bridge loans. Some commercial bridge loans provide funding in as little as 10 days.
Does Titan Funding lend to foreign nationals?
Yes. Titan Funding offers hard‑money programs for non‑U.S. citizens seeking to buy or refinance property in South Florida, using asset‑based underwriting to bypass conventional loan barriers.
What types of loans does Titan Funding offer?
The company provides various short‑ and long‑term real‑estate loans, including hard‑money and bridge loans, residential and commercial bridge loans, multifamily financing, fix‑and‑flip loans, rental property loans, ground‑up construction loans, bridge‑to‑permanent loans and cash‑out refinance options.
How does LTV work in real‑estate loans?
Loan‑to‑value ratio is calculated by dividing the loan amount by the appraised value of the property. Lenders, including Titan Funding, set maximum LTV thresholds (often around 60 % for hard‑money loans) to manage risk.
Which states does Titan Funding serve?
Titan Funding primarily serves Florida but may authorize loans in other states on a case‑by‑case basis. Applicants can discuss their specific property and location with the company’s professionals.
How do I calculate return on investment (ROI) for fix‑and‑flip projects?
ROI is determined by subtracting total costs (purchase price, renovation expenses, loan interest and fees) from the final sale price, then dividing the result by total costs. Titan Funding’s guide on calculating fix‑and‑flip ROI emphasizes factoring in loan terms and interest to evaluate profitability.
What are the risks of hard‑money loans?
Hard‑money loans carry higher interest rates (often 10 %–15 %) and points compared with traditional financing. They are short term, so borrowers need a clear exit strategy and must account for appraisal and origination fees in their budgets.
What is a rental property loan?
A rental property loan finances the purchase of a property the borrower does not intend to occupy. Unlike traditional mortgages for primary residences, rental loans are structured specifically for investment properties and often have different requirements.
How do rental property loans differ from conventional mortgages?
Rental loans are harder to obtain because lenders view them as higher risk; they may limit property types to single‑family units or small multifamily buildings, and the interest rate may be higher. Some rental loans do not require private mortgage insurance, although a higher down payment or rate may be needed.
What types of loans does Titan Funding offer for rental properties?
Titan Funding offers hard‑money bridge loans for acquisitions or renovations, multifamily loans for buildings with four or more units, and fix‑and‑flip loans for investors seeking quick turnarounds. Each option is tailored to different investment strategies and property types.
How long does it take to receive funds from Titan Funding?
Titan Funding’s decision process focuses on property value and can produce a decision within 48 hours, with funds available in as little as four days. Loan amounts range from $100 000 to $5 million, and payments are fixed rather than variable.
What makes Titan Funding attractive to borrowers and investors?
The company’s flexible underwriting prioritizes property value over credit history, and it sends monthly interest payments to private lenders. Borrowers appreciate the transparent process and access to loans unavailable through conventional banks.
How does Titan Funding support investors who want passive income?
Investors providing capital for rental property loans receive monthly interest payments without managing tenants or properties. Titan’s experts handle underwriting and data analysis so investors can diversify into real estate debt while avoiding stock‑market volatility.