Max RENTAL INCOME powered by Honest Casa
STR + LTR · Purchase & Refi Check My Options

Rental Loans That Qualify on the Rent — Not Your W-2.

Short-term and long-term rental financing from a licensed lender. Qualify on the property's income — even projected Airbnb income* — and buy, refi, or cash out in your LLC. 100% online.

The property's rental income qualifies the loan — not your W-2, tax returns, or personal DTI
Short-term rentals welcome — projected Airbnb/VRBO income counts, where eligible*
Close in an LLC — no personal-name title required
Qualify on the rentNo W-2s or tax returns
STR + LTR welcomeAirbnb, VRBO & long-term leases
30-yr fixed & interest-onlyPayment options that cash-flow
Loans $100K–$3MNo cap on financed properties
Your options are 60 seconds away 0%

How much funding do you need?

Drag the slider — you can change this anytime. Check your options as of .

$350,000

Purchase, rate/term refi, or cash-out — your call

$100K$3M
Secure ~60 seconds Soft credit pull

Let's size up the property's equity

Your best guess is fine — no documents needed yet.

ESTIMATED AVAILABLE EQUITY$225,000
Looking great — you appear to have meaningful cash-out headroom.

What's your credit score range?

Your best estimate is fine — it's confirmed later in the process.

What's the plan for this property?

This helps tailor your options.

Which property are we financing?

Start typing and select the address — we verify it instantly so your options are accurate. Buying or refinancing in an LLC? No problem — LLC vesting is welcome.

We couldn't verify this address — check the spelling or select one of the suggestions
Unit number is required for condos & townhomes
Address is verified against official U.S. records

Where should we send your options?

Please use your full legal name (as it appears on your government-issued ID) and an email and mobile number you control — these details are verified and used in the underwriting process. Inaccurate information can delay your offer.

Legal first name is required
Legal last name is required
Enter a valid date of birth (MM/DD/YYYY)
Enter a valid email address
Enter a valid 10-digit phone number
How your information is protected: encrypted in transit, used only to prepare your offer and verify your identity, and never sold to third parties.
Your information is encrypted and never sold

Congrats, Alex — you're a fit!

See your offers immediately by completing your secure application below ↓

Requested loan$350,000
Estimated equity$225,000
PropertyLong Beach, CA
Complete My Secure Application →
5 min No tax returns LLC friendly

Fit is based on the answers you provided and is not a loan approval. Offers are subject to verification, credit approval, and underwriting.

Rental financing in 3 simple steps

No branch visits. No tax-return archaeology. The entire process is online — most investors finish the application in about 5 minutes.

01

Tell us about the property and the rent

Answer a few quick questions about the property, the plan, and the rent it earns (or could earn) — fast, secure, and 100% online.

~60 seconds
02

Get your options

Create your account from the West Capital Lending email and see rent-based (DSCR) loan options — a soft credit pull, so checking doesn't ding your score.

Soft pull
03

Verify and close 100% online

Upload what's needed, eSign, and close — in your LLC if you like. Purchase, rate/term refi, or cash-out, from $100K to $3M.

LLC vesting welcome

Why investors choose Max RENTAL INCOME

The rent does the qualifying

DSCR-style underwriting looks at the property's rental income versus its payment — not your W-2, tax returns, or personal debt-to-income ratio. Ideal for self-employed investors and anyone whose tax returns undersell their real cash flow.

Short-term rentals welcome

Buying an Airbnb or VRBO property? Projected short-term rental income (AirDNA-style market projections) or actual booking history can qualify the loan, where eligible — no long-term lease required.

Built for portfolios

No program cap on the number of financed properties — banks typically stop around ten. Loans from $100K to $3M per property, for purchases, rate/term refis, and cash-out refis to recycle equity into the next deal.

Close in your LLC, on your terms

Vest title in an LLC or entity — no personal-name title required. Choose a 30-year fixed rate or an interest-only period to maximize monthly cash flow, for qualified borrowers.

Max RENTAL INCOME vs. a traditional bank

Banks underwrite you. We underwrite the property. For rental investors, that difference changes everything.

Max RENTAL INCOMERECOMMENDEDTraditional bank
Qualifies on the property's rent Yes — DSCR No — personal income & DTI
Counts projected Airbnb/VRBO income Yes, where eligible* Rarely
Limit on financed properties No cap Typically ~10 max
Close in an LLC Yes Usually personal name only
Tax returns & W-2s required No Yes — 2 years
30-year fixed & interest-only options Yes Varies
100% online process Yes Rarely

Frequently asked questions

How does rent-based (DSCR) qualification work?
A DSCR (debt-service coverage ratio) loan qualifies on the property, not your personal income. Underwriting compares the property's rental income to its monthly payment (principal, interest, taxes, insurance, and HOA). If the rent covers the payment, the property can carry the loan — no W-2s, tax returns, or personal debt-to-income calculation required. Loans remain subject to credit approval, verification, property valuation, and underwriting.
Do projected Airbnb or VRBO income numbers count?
Yes, where eligible. For short-term rentals, underwriting can use projected short-term rental income based on market data (AirDNA-style projections) or the property's actual booking history. Projections are estimates and are reviewed and validated during underwriting; eligibility varies by program, property type, market, and state.
What if the property isn't rented yet?
That's fine — and common on purchases. For long-term rentals, qualification can use the market rent estimated by the appraiser (or the lease in place, if there is one). For short-term rentals, eligible projected Airbnb/VRBO income can be used. You don't need a tenant in place to check your options.
Can I buy or refinance in my LLC?
Yes. These are business-purpose investor loans, so closing in an LLC or other entity is welcome — no personal-name title required. Many investors use an LLC per property or one portfolio entity; a personal guarantee is typically still required.
How many properties can I finance?
There's no program limit on the number of financed properties. Conventional lenders typically cap investors around ten; because DSCR qualification looks at each property's own rent, your portfolio size doesn't work against you. Loans range from $100,000 to $3,000,000 per property.
Are interest-only payments available?
Yes. Options include a 30-year fixed rate and interest-only payment periods for qualified borrowers, which can lower the monthly payment and improve cash flow — especially useful for short-term rentals with seasonal income. Availability depends on credit profile, leverage, and program eligibility.
What happens after I submit the form?
You'll be taken straight to the secure online application, and you'll receive an email from West Capital Lending with a link to create your account. From there you can review your options, pick your loan structure, and complete verification — all online. Checking your options uses a soft credit pull; a hard inquiry only occurs if you proceed with a full application.
Who is the lender?
Max Rental Income is powered by Honest Casa (NMLS #1566096), an Equal Housing Lender headquartered in Irvine, CA. You can verify licensing at NMLS Consumer Access.

See your rental loan options in minutes — 100% online.

Join investors qualifying on the rent — not their W-2 — and growing portfolios in their LLCs.

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