Refinancing a single-family rental property can be a strategic move to reduce interest rates, improve cash flow, or access equity for further investments. As the real estate market evolves, lenders are offering competitive refinancing options tailored to meet the needs of rental property owners. Choosing the right lender is crucial for maximizing your financial returns. Below is a guide to some of the best lenders for single-family rental refinancing in 2025.
1. Quicken Loans (Rocket Mortgage)
Quicken Loans, now operating under Rocket Mortgage, is a top choice for refinancing single-family rental properties. Known for its user-friendly digital platform, Rocket Mortgage offers personalized refinancing solutions with competitive rates. Investors benefit from quick approvals, transparent terms, and excellent customer service. Their advanced technology streamlines the application process, making it easier for property owners to manage their refinancing needs.
Key Features:
- Competitive interest rates
- Fast online application process
- Flexible refinancing options for investment properties
2. Lima One Capital
Lima One Capital specializes in financing for real estate investors, making them an excellent choice for single-family rental refinancing. They offer diverse loan programs, including long-term rental loans designed to help investors optimize their portfolios. With a focus on tailored solutions for landlords, Lima One Capital provides refinancing options that align with your investment strategy.
Key Features:
- Investment property-focused lender
- Flexible terms (5, 10, or 30 years)
- No personal income verification required for qualifying rental loans
3. CoreVest
CoreVest is a leading lender for real estate investors seeking refinancing for single-family rentals. They offer portfolio loans for investors with multiple properties as well as individual property refinancing options. Their expertise in the rental market ensures competitive rates and customizable loan structures designed to maximize returns for investors.
Key Features:
- Portfolio loans for multiple properties
- Competitive rates for single-property refinancing
- Quick approval process
4. Finance of America Commercial
This lender is ideal for experienced investors looking for refinancing solutions for single-family rentals. Finance of America Commercial provides a range of loan products tailored to rental property owners, including cash-out refinancing and interest-only options. Their focus on flexibility and investor-friendly terms makes them a strong contender in 2025.
Key Features:
- Cash-out refinancing available
- Interest-only loan options
- Investor-friendly underwriting process
5. Chase Bank
For investors seeking a traditional banking institution, Chase Bank remains a reliable option for refinancing single-family rentals. With competitive rates and established credibility, Chase offers a variety of mortgage refinancing products for both individual investors and larger portfolios.
Key Features:
- Established lender with strong reputation
- Competitive rates for investment properties
- Access to traditional banking services
6. Citadel Servicing Corporation
Citadel Servicing Corporation (CSC) specializes in non-QM (non-qualified mortgage) loans, making them an excellent choice for investors with unique financial situations. They cater to borrowers who may not qualify for traditional refinancing due to income verification challenges or other factors. CSC’s flexible lending criteria and investor-focused approach make it a standout option.
Key Features:
- Non-QM loans for unique financial situations
- Flexible income verification requirements
- Refinancing options for non-traditional borrowers
Tips for Choosing the Best Lender
When selecting a lender for single-family rental refinancing, consider the following factors:
- Interest Rates: Compare rates among lenders to secure the lowest possible cost.
- Loan Terms: Assess repayment schedules and flexibility to find terms that match your investment strategy.
- Fees: Be mindful of closing costs, origination fees, and any other associated charges.
- Customer Service: Choose lenders with responsive and knowledgeable support teams.
Final Thoughts
Refinancing your single-family rental property can provide significant financial benefits, but finding the right lender is essential. The lenders mentioned above are among the best in 2025, offering competitive rates, flexible terms, and tailored solutions for rental property owners. By carefully evaluating your options and aligning them with your investment goals, you can unlock new opportunities to grow your real estate portfolio.
The Ultimate Guide to SFR and Short-Term Vacation Rental Loans in 2025
In today’s fast-paced real estate investment world, having the right financing strategy is critical—especially for single-family rentals (SFRs) and short-term vacation rentals like Airbnb and VRBO properties. Whether you’re scaling your portfolio or refinancing for better terms, getting access to capital quickly and efficiently is key.
In this guide, we’ll explore the best loans for single family rental property investments, how to finance a short-term vacation rental, and the most flexible cash-out refinance options available in 2025.
Why Investors Are Choosing SFR and Short-Term Rentals
Single-family rentals continue to outperform many commercial asset classes due to their stability, high demand, and predictable returns. Likewise, the short-term rental market—fueled by platforms like Airbnb and VRBO—offers excellent cash flow potential in the right markets.
However, traditional lenders often require high documentation and tight underwriting, which can slow down or block real estate growth.
Low-Doc and No-Doc Loans for SFR Investment Properties
One of the most searched financing options today is low doc loan options for SFR investment properties. These loans are ideal for:
- Real estate investors with multiple properties
- Entrepreneurs who don’t show income on traditional W-2s
- Borrowers looking to move quickly in competitive markets
Lenders like GHC Funding specialize in these streamlined options—offering fast approvals, minimal paperwork, and no broker points or hidden fees.
How to Get a DSCR Loan for Short-Term Rentals
DSCR (Debt Service Coverage Ratio) loans are one of the best-kept secrets in investor financing. For short-term vacation rental properties, getting a DSCR loan means your loan is qualified based on the income the property generates—not your personal income.
These loans are ideal if you:
- Operate Airbnbs, VRBOs, or other short-term rentals
- Need short-term rental property financing with no income verification
- Want to unlock cash-out equity for renovations, marketing, or expansion
👉 Learn more about how a DSCR loan works: GHC’s Funding Options
Cash-Out Refinance Options for Vacation Rentals
Looking to pull equity out of your current Airbnb or vacation home? A cash-out refinance for Airbnb or VRBO rental properties lets you do just that.
With lenders like GHC Funding, you can access:
- Up to 80% LTV on SFR and vacation rentals
- Fast closings, often in 10–14 days
- Competitive terms: Prime + 1, 5/25 loan structure, no prepay
Best of all, there’s no income verification required and no broker fees—saving you thousands upfront.
Best Lenders for SFR and Short-Term Rental Refinancing in 2025
If you’re actively searching for the best lenders for single family rental refinancing in 2025, it’s worth considering direct access to capital.
GHC Funding, a direct lender and financing marketplace, provides:
- Loans from $100K to $15M
- No doc, no tax return options
- Coverage for SFRs, multifamily (2–50 units), Airbnb, and boutique hotel properties
- Loans available nationwide
📞 Call 833-572-4327 or visit GHC Funding to get prequalified today.
Final Thoughts: Flexible Financing Fuels Growth
From no doc SFR rental loan options to vacation rental refinance loans with low rates, there has never been a better time to access capital for your next real estate project.
Whether you’re improving an existing property, scaling a short-term rental portfolio, or cashing out equity for reinvestment, the right loan can unlock massive potential.
Need help navigating your options? Contact GHC Funding and discover how fast, flexible lending can help you scale your investment strategy in 2025.
GHC Funding: Your Partner for No Doc Cash-Out Refi and Small CRE Loans
In today’s competitive real estate market, securing the necessary funds for investment properties can be a challenge, especially when traditional lenders require extensive paperwork, income verification, and lengthy approval processes. That’s why GHC Funding is here to provide a hassle-free alternative. With our No Doc Cash-Out Refinance and Small Commercial Real Estate (CRE) Loan options, you can access the financing you need quickly and efficiently.
Whether you’re looking to expand your portfolio with single-family rentals, Airbnbs, or multi-unit buildings, GHC Funding is committed to helping you achieve your financial goals.
Why Choose No Doc Cash-Out Refinance with GHC Funding?
Traditional lenders often require a mountain of paperwork and scrutinize your income before granting a loan. This can slow down the process and even derail opportunities. At GHC Funding, we’ve eliminated these barriers with our No Doc Cash-Out Refi program.
Here’s what makes our approach unique:
- No Income Verification Required: Focus on the potential of your property, not your paycheck.
- Collateral-Based Loan Approvals: We assess your property’s value using desktop appraisals, ensuring a quick and straightforward evaluation process.
- Fast Closings: Our streamlined process ensures you can access funds when you need them—no unnecessary delays.
GHC Funding’s Small CRE Loans: Tailored for Your Needs
Investing in small commercial real estate can be a game-changer, but financing these opportunities shouldn’t feel like a full-time job. Our Small CRE Loan program is designed with investors in mind, offering flexibility and speed so you can stay focused on growing your portfolio.
Key features of our Small CRE Loans include:
- Funding for Various Investment Properties: Perfect for single-family rentals, Airbnbs, or multi-unit buildings.
- Competitive Terms: Enjoy rates starting at approximately Prime +1, giving you cost-effective access to capital.
- Flexible Loan Amounts: Borrow up to $500,000 or 50% Loan-to-Value (LTV) to meet your unique needs.
- Basic Qualifications: A credit score of 680+ and no bankruptcies in the last seven years are all you need to get started.
Why Investors Trust GHC Funding
At GHC Funding, we pride ourselves on delivering tailored financial solutions that empower real estate investors. Our team understands the challenges of the industry and works tirelessly to provide you with the resources you need to succeed.
Here’s why you should choose us:
- Expert Support: Our knowledgeable professionals guide you every step of the way.
- Client-Focused Service: We prioritize your goals and work to secure the best possible terms for your loan.
- Fast, Reliable Access to Capital: We know that time is money in real estate, which is why we focus on quick approvals and closings.
How to Get Started
Don’t let financing challenges hold you back from achieving your real estate investment goals. With GHC Funding, securing a No Doc Cash-Out Refi or Small CRE Loan is easier than ever. Contact our team today to learn more about our offerings and take the next step toward your financial success!
- Visit us at www.ghcfunding.com
- Call us at (833) 572-4327
The Bottom Line
Whether you’re a seasoned investor or just starting your journey, having access to quick and flexible financing can make all the difference. With GHC Funding, you’ll gain a trusted partner dedicated to helping you navigate the complexities of real estate investment with ease.
Don’t wait—reach out to us today and secure the funding you need to turn your investment dreams into reality.
