Nationwide private money lending for real estate investors.
Long-term hold
DSCR loans for investors building a rental portfolio. Qualification is based on the property's rental income, not your tax returns.
A rental property loan is a first lien mortgage that is secured by the investment property itself. It is the financing investors use to acquire and hold income-producing residential real estate.
United Lending focuses on serving real estate investors, which means rapid processing and terms that are customized to your individual circumstances rather than a rigid retail underwriting box.
Conventional banks underwrite you. They want W-2s, tax returns, and a debt-to-income ratio that fits their model — which rarely works for an investor with several properties already financed.
We underwrite the deal. We evaluate the investment property's profit potential, so borrowers provide minimal paperwork and receive personalized support from a dedicated loan officer throughout.
Financing includes 30-year fixed mortgages plus adjustable-rate variations with 5/1, 7/1 and 10/1 options, so you can match the loan to how long you intend to hold the asset.
Closing occurs within 14 business days, with the entire process completing in three to four weeks.
Why it works
We look at the investment property's profit potential rather than your personal income documentation.
Choose a 30-year fixed mortgage, or 5/1, 7/1 and 10/1 adjustable-rate structures.
A short document list, and a personal loan officer who helps you collect what's missing.
The full process runs three to four weeks from first call to funded.
Our easy loan process
No committees, no month-long underwriting queue. A single loan officer owns your file from start to close.
We are available 24 hours a day, seven days a week, even on weekends and holidays.
Within minutes, your personal loan officer will provide you with a list of documentation required to process your application. They will even help you obtain these documents when needed.
We review your files and documents in as little as 24 to 48 hours and provide you with various financing options.
Once everything has been processed and reviewed, we will close the loan quickly and efficiently.
FAQ
Still unsure whether this is the right program? Call us and we will tell you straight.
No. Rental property loans are underwritten on the property's income rather than your personal income, so no income verification is required.
There is no hard cap the way there is with conventional agency financing. Investors regularly finance multiple properties with us as they scale a portfolio.
Yes — this is the refinance step of the BRRRR method. Many of our clients use a bridge loan to buy and renovate, then refinance into a long-term rental loan.
Other programs
Tell us about the property and we will come back to you with options — usually within 24 to 48 hours.
