Turnkey Rental Loans
Finance Ready-to-Rent Investment Properties with Ease
Turnkey Rental Loans
Financing for Stabilized, Income-Generating Rental Properties
Invest with Ease: Ready-to-Rent Properties for Passive Income
A **Turnkey Rental Loan** from Montgomery Lending is a specialized financing solution designed for investors looking to purchase stabilized, income-generating rental properties that require little to no renovation. These properties are typically move-in ready and often professionally managed, making them a hassle-free investment option for those seeking passive income and long-term portfolio growth.
Ideal for both seasoned investors and newcomers to real estate, turnkey rental loans allow for quick property acquisition without the complexities and delays associated with extensive repairs or renovations. This means you can start generating rental income faster and build your portfolio efficiently.
Ask About Our **NO Origination Fees, First 12 Months of Principal Covered & FREE Appraisal Promotion***
Key Features & Program Highlights
PROPERTY TYPES
- Non-Owner Occupied
- 1-4 Family Real Estate
- Condos
- Townhomes
- 5+ Unit Apartments
LTV
- **Purchase:** Up to 85% of the Purchase Price
- **Refinance:** Up to 85% of the As-Is Value
- **Cash-Out:** Up to 80% of the As-Is Value
Max LTV Qualifications
- **85% LTV Purchase & Refinance:** 1.25x+ DSCR, 720+ FICO, Single Family Only
- **80% LTV Cash Out:** 1.20x+ DSCR, 700+ FICO, Single Family Only
DEBT SERVICE COVERAGE RATIO (DSCR)
A low **0.75** DSCR is acceptable, offering significant flexibility.
LOAN AMOUNT
Capital available from **$55K - $2M** to cover a wide range of investments.
PROPERTY VALUE
The "As Is" Appraised Value Must Be **$100k or Greater** ($90k for 85% LTV Option, Geographical Restrictions May Apply).
AMORTIZATION OPTIONS
- 30-Year Fixed
- Hybrid ARMS (5/1, 7/1, 10/1)
- Interest-Only Options Available
MINIMUM FICO
A manageable **Minimum Credit Score requirement of 640**.
EXPERIENCE
**No experience needed** – perfect for new and seasoned investors.
Simplified Documentation
Qualifications based on property cash flow, no personal DTI, no tax returns. AIRDNA Income used for STRs.
Investor-Friendly Terms
- Full 30-year terms with no balloons.
- Ability to protect your identity by financing through a corporate entity.
- No source or seasoning of funds required.
- 30-day seasoning on refinances and cash outs.
- No cap on the number of loans we can do for you.
- Rural properties are acceptable.
Appraisal Acceptance
We accept 3rd party appraisals with no transfer letter.
* **No Origination Fees:** Applicable with a Minimum Loan Amount of $400k.
* **12 Months of Principal Covered:** Up to $5,000 in total principal payment assistance.
* **Free Appraisal Promotion:** Up to $900 value.
Who This Loan Is For
Turnkey Rental Loans are ideal for:
- Real estate investors seeking stabilized, move-in ready rental properties.
- Those who prioritize passive income and a hands-off investment approach.
- Investors looking to quickly scale their rental portfolio without extensive renovation management.
- Borrowers who prefer qualification based on property performance rather than personal income and tax returns.
- Experienced and new investors aiming for long-term equity and consistent cash flow.
Why Choose Montgomery Lending for Your Turnkey Rentals?
Montgomery Lending is your trusted partner in navigating the turnkey rental market. We offer:
- **Tailored Solutions:** Financing specifically designed for turnkey investment properties.
- **Streamlined Process:** Fast approvals and funding for efficient property acquisition.
- **Expert Guidance:** Benefit from experienced professionals who understand passive income strategies.
- **Competitive Terms:** Rates and conditions built to maximize your long-term returns.
- **Free Appraisal Options:** Ask us about our current offers to save on closing costs!
Ready to Acquire Your Next Turnkey Property?
Contact Montgomery Lending today to discuss your turnkey rental strategy and secure the financing solution that helps you build a strong, passive income portfolio.
Apply for Turnkey Rental FinancingOr call us at (574) 276-4611 for a free consultation.
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