Buy, refinance, or cash out to grow your portfolio — with a 30-year fixed rate. Qualify on the property's cash flow, not your W-2 income.
| 30-Year Rental Loan Terms | |
|---|---|
| Interest Rate | Starting at 6.25%* |
| Loan Term | 30-year fixed rate |
| Max LTV (Purchase & Refi) | Up to 80% LTV |
| Max LTV (Cash-Out) | Up to 75% LTV |
| Loan Amount | $75,000 – $1,500,000 |
| Qualifying Method | DSCR (property cash flow) ? |
| Minimum DSCR | 1.0x |
| Minimum FICO | 660 |
| Property Types | 1–4 unit residential |
| Close Time | Typically 3–4 weeks |
*Starting rate shown. Your rate depends on credit, leverage, property, and term.
Need short-term financing first? See our bridge loans → then refinance into a 30-year fixed once the property is stabilized. See how one investor did it in our DSCR cash-out refi case study.
Whether you're buying your first rental or refinancing a full portfolio, Pimlico Capital is a direct lender: we control our own capital, so decisions are fast and the document list is short.
We underwrite on the property's DSCR, not your personal income, so self-employed investors and full-time landlords qualify easily. No W-2s, no tax returns. The full terms are on the left.
DSCR (Debt Service Coverage Ratio) measures whether a property's rent covers its loan payment. We lend down to a 1.0x DSCR, meaning the rent just needs to cover the payment.
PITIA = principal, interest, taxes, insurance, and any HOA dues. Try your own numbers in the DSCR loan calculator → · See the full DSCR loan requirements →
You've completed your flip or stabilized a rental. Now refinance into a long-term fixed rate to free up cash and lower your monthly payments.
For turnkey rentals that cash-flow from day one, we close fast — no W-2s, no tax returns.
Pull equity from your existing portfolio to fund new acquisitions. Refinance up to 75% LTV and redeploy your capital without selling anything.
Our 30-year DSCR loans are available nationwide, with only a handful of state exceptions — see the full coverage map on our Where We Lend page. One lender for the whole portfolio, whether you hold doors in one market or ten.
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