Investor Loans | Long Term Rental

Reliable Financing for Real Estate Investors

Long Term Rental

Investor-focused financing for long-term rental properties is what DSCR Loans Direct delivers. Our DSCR loans prioritize property cash flow, offering quick approvals and flexible terms to simplify portfolio growth or refinancing. With a hassle-free process, we empower you to build your rental investments with ease. Fill out the form below to get started today.

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UP TO

6.375%

RATES FROM*

85%

LTV

10-14

DAY CLOSE

30,40yr

I/O OPTION

$100k up to $3M

Step 1: Submit Your Deal

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Long Term Rental

Benefits

Why Choose Our Long-Term Rental Loans?

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949-401-7593

Long-Term Rental (LTR) loans are crafted specifically for real estate investors seeking to generate stable rental income. Designed for properties with long-term tenants, these loans provide competitive rates, flexible terms, and a simple approval process. Whether you’re expanding your rental portfolio or refinancing an existing property, our LTR loans ensure you have access to reliable capital to support your investment goals.

DSCR Calculator

Debt Service Coverage Ratio (DSCR) is Gross Rental Income ÷ Total Payment (P&I + insurance + taxes + HOA).

Gross Rental Income (monthly)

Loan Details

Price/Value $

Down Payment %

Loan Amount $

LTV %

Interest Rate %

Loan Term

Interest Only

Monthly Expenses

Insurance $

Taxes $

HOA $

Tailored for Real Estate Investors

Are We a Good Fit?

Our Long-Term Rental loans, structured as DSCR products, are tailored for investors focused on generating consistent income from rental properties. To qualify, you’ll need:

Experience

First time investor allowed

Credit Score

Minimum of 660.

Liquidity/Reserves

20% down payment with 6 months of reserves.

Property Type

SFR, Condo, Townhome, 1–10 Units

Additional Requirements

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Get Started

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Begin your journey to homeownership today!

Apply Now!

949-401-7593

Key Loan Terms for Real Estate Investors

Long-Term Rental Loan Highlights

Transparent and Investor-Focused Loan Terms

Product Type

Long Term Rental

Experience Required:

First Time Investor OK

Minimum Credit Score:

660

Liquidity:

20% Down

Reserves:

6mo. Reserves

Prepayment Penalty:

Optional

Closing Timeline:

10 to 14 Days

Draw Schedule:

N/A

Rate:

6.375%

Loan-to-Value LTV:

85%

Loan-to-Cost (LTC):

N/A

Loan Term:

30, 40 Yr or Interest Only

Asset Types:

SFR, Condo, Townhome, 1–10 Units

Loan Amount Min:

$100k

Loan Amount Max:

$3M

Product Specifics:

Non-Owner-Occupied, No Seasoning Requirement, Blanket Loan Option

Number of Units:

1 to 8 Units

Apply Now!

949-401-7593

Experience Financing Tailored for Long-Term Success

Simplified Process: Our easy-to-follow loan process ensures efficiency and transparency.
Fast Closings: Avoid delays with our quick and reliable funding process, typically completed within 10-14 days.
Investor-Centric Expertise: We understand the unique needs of real estate investors and provide customized solutions.
Trustworthy Partnerships: With a focus on integrity and communication, we ensure a stress-free lending experience.

Apply Now!

949-401-7593

Where We Lend

States We Lend In

Looking for lending in a state not listed? We do lend in other states on a case-by-case scenario.
Give us a call to see what we can do for you.

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949-401-7593

Vice President

Arran Amorozo

Arran Amorozo is a seasoned Mortgage Loan Officer and Vice President at West Capital Lending, based in Orange County, California. With over a decade of experience in the mortgage and real estate industry, Arran has built a reputation for delivering creative financing solutions and personalized strategies to help clients achieve their homeownership and investment goals.

Over the course of his career, Arran has personally funded more than 2,000 loans and exceeded $500 million in total loan volume. He currently manages a team of over 20+ loan officers, providing mentorship, systems, and leadership to help his team perform at the highest level.

Arran specializes in investment property financing, DSCR loans, self-employed borrower programs, and first-time homebuyer solutions. His approach combines traditional lending expertise with outside-the-box thinking — ensuring clients receive tailored strategies that align with both short- and long-term financial goals.

With a strong nationwide network of real estate professionals, investors, and lenders, Arran and his team are dedicated to helping clients build wealth through smart financing and strategic property acquisition.

If you’re looking for a lender who combines experience, creativity, and execution — Arran Amorozo and the team at West Capital Lending are ready to help you make your next move.

Apply Now!

949-401-7593

Recently Funded deals

Deal Type	Address	Loan Amount
Fix & Flip	10524 Catalina Pl, White Plains, MD 20603	$140,000
Fix & Flip	3034 Lundt, Waldorf, MD 20603	$300,000
Fix & Flip	7256 Joplin S, Capital Heights, MD 20743	$120,000
Fix & Flip	Ridgway Ave, Durham, NC 27701	$25,000
Fix & Flip	327 Whittier St, Washington, DC 20012	$340,000

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"Working with Lance and Warren at Sphinx Capital has been a great experience! They are responsive, knowledgeable and make the process easy to understand. We now use them for all of our loan needs, both for renovations and DSCR refinances."

Katie N

Tennessee

"Working with Sphinx Capital on my multifamily purchase was great. Lance made the process smooth and streamlined. I’m looking forward to our next deal!"

Joe D

Florida

"After getting strung along by several lenders, Sphinx Capital was able to quickly qualify and get my loan to the closing table. I’m grateful to have found such a helpful and honest lender."

Marcia T

California

"Sphinx Capital provided the perfect loan structure for our subdivision, including funds for the horizontal site work, interest reserve, and vertical construction. The entire process was easy and they communicated well, allowing us to pay off our previous hard money loan and move forward to the next phase."

Mark S

Texas

"Lance and his team were able to guide our complex project through underwriting with ease. I felt informed the whole way through the process and definitely recommend working with them to structure and prepare your loan proposal for success."

Jose R

Colorado

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