Non-QM Investor Solutions
Rental Loan Program
Rental Loan Program Built for Long-Term Income
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Transform Funding’s Rental Loan Program is designed for investors looking to acquire or refinance income-producing properties with confidence. Whether you’re building your first rental or expanding a growing portfolio, our financing solutions are structured to support long-term cash flow and property performance.
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Our rental loan options offer competitive rates, flexible terms, and a streamlined approval process tailored to real estate investors. We focus on the strength of the asset and its income potential, allowing you to secure financing without the limitations often associated with traditional lending.
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At Transform Funding, we understand that successful rental investing is about more than just securing a loan—it’s about building sustainable wealth. Our team works closely with you to align financing with your investment strategy, helping you scale efficiently and maximize returns over time.
Rental Loan Program
Non-QM Investor Solutions
30-Year Fixed Loan Program
Principal + interest payments at a fixed- rate for 30 years to build long-term equity.
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5- Year ARM Loan Program
Fixed-rate for 5 years, interest-only payments for 10 years, and amortized over 30 years.
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LTV: Up to 80% Purchase & 80% LTV Cash-out Refi
FICO: 660 minimum
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Property Types: SFR, Condo, 2-4 Unit Properties, Townhouses
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Borrower:
Non-owner occupied, A true no income doc loan, No DTI requirements. Loans to individuals or entities​
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Loan Amount: $100K - $5M
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Loans: Close multiple loans at the same time
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Example: Debt Service Coverage Ratio
Gross Income =$850
+ PITIA =$650
DSCR = 1.30%
Estimated monthly market rent when a lease is not available for a purchase transaction.
This is not a commitment to lend. Actual rates and terms depend on a variety of factors and restrictions may apply. Transform Funding LLC reserves the right to amend rates and guidelines without notice.
Still Have Questions?
Our team is here to help you navigate your financing options with clarity and confidence. Speak directly with an experienced lending specialist to discuss your deal, review your goals, and explore loan structures tailored to your specific investment strategy. We’ll walk you through the process, answer your questions, and help you determine the best path forward—no pressure, no obligation, just straightforward guidance you can trust.