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30 Year Rental Property

Buy & Hold or Refinance Rental Property Loans 

The premier rental property investment loan option for long term cash flowing properties, up to 80% LTV

For investors who have an existing short-term loan looking for an opportunity to streamline a 30-year term Debt Service Coverage Ratio (DSCR) loan for non-owner-occupied rental investment properties.

DSCR loans are the newest offering from Tamoney Capital and are intended as a take-out of your existing loan or purchase of a rental property to allow you to access more cash when you need it most!


  • Term: 30 year fixed, 5/1 ARM, 10 year interest only options
  • Loan Amount: $75k – $2M
  • Property Type: Up to 20 units, mixed use, condos
  • Portfolio Loans also available
  • Loan to Value (LTV): Up to 75% cash out or 80% rate and term/purchase
  • Liquidity Requirements:
    Refinance – 6 Months of Payments + Closing Costs
    Purchase – Down Payment + Closing Costs + 6 Months Payments
    Contact us for details.


  • Prequalification in Minutes
  • A One-Stop Shop
  • Maximize Cash Flow with All-In-One Payments (PITIA)
  • Tap into Accrued Equity with Cash Out Options
  • As Low as 640 Minimum FICO (Highest Partner’s Midscore Used)
  • Streamlined Process
  • Shortened Closing Times
  • Competitive Rates

The Tamoney Capital Refinance Process:

Initial Documents

  • Refinance Application
  • Borrower’s Authorization to Run Credit
  • Property Management Form
  • Bank Statements from the Past 2 Months
  • Title Contact Info
  • Current Driver’s License/Photo ID
  • Go-Ahead From Borrower to Proceed

Secondary Documents

  • Entity Documents: Operating Agreement, Article of Organization, Tax
  • ID, LLC Consent
  • Proof of Property Insurance
  • Purchase & Sale Agreement

Trailing Documents

  • Tenant Leases
  • Tenant Payments
  • Property Tax Bill
  • Certificate of Good Standing
  • Proof the Property Insurance Premium has Been Paid