If you’re ready to scale your rental portfolio, the last thing you need is a lender who slows you down. At Restoration Funding Corp, based in Ontario, CA, we understand that real estate investors need quick, reliable financing without jumping through hoops. That’s why we offer fast, flexible loan programs for single-family rentals and DSCR-backed 30-year options. Whether you're a seasoned investor or just getting started, we provide direct capital solutions that keep your deals moving. And while we're rooted in Southern California, we serve real estate professionals nationwide.
Single Family Rental Loans for 1–4 Unit Properties
Long-Term Capital for Growing Portfolios
You’ve found a great single-family rental—but you’re losing time and money trying to qualify with a bank. Most lenders want tax returns, W2s, and personal income proof before they even talk numbers. That delay can mean losing out on the property. We change that.
At Restoration Funding Corp, we provide fast rental property loans that don’t rely on personal income verification. Whether you’re purchasing or refinancing, we focus on the asset—not your job history.
Loan Features:
- For 1–4 unit properties, including:
- Single Family Residences (SFRs)
- Warrantable Condos
- Planned Unit Developments (PUDs)
- Townhomes
- First-time investors allowed
- Use for purchases or refinances
- Funding typically within 21 days
- Competitive fixed and ARM options available
These loans are ideal for home builders, landlords, and residential investors looking to build wealth through long-term holds—with none of the paperwork overload.
30-Year DSCR Rental Loans With No Income Docs Required
Approval Based on Property Cash Flow—Not Your Pay Stubs
Banks want to see every line of your tax return. We don’t. Our DSCR (Debt Service Coverage Ratio) loans qualify you based on the income of the property—not your personal financials. If your rental generates enough income to cover the loan, you're already in the running.
DSCR Loan Highlights:
- Choose from:
- 30-Year Fixed Rate
- 5/1 ARM or 10/1 ARM
- Available for:
- Purchases
- Cash-Out Refinances
- No income, W-2s, or tax returns required
- Easy closing process
- Available to first-time and experienced investors
Whether you’re growing your first rental or building out a multi-property portfolio, DSCR loans give you long-term control without the hassle of proving income. It's simple: if your property cash flows, we can help.
Who Our Rental Loans Are Built for
Real Estate Professionals Who Need Capital Without Compromise
If you're building a real estate business or adding to an existing portfolio, chances are you’ve already run into lenders who don’t “get it.” The truth is, most banks treat investors like traditional homebuyers—expecting tax returns, W2s, and detailed income history for every deal. That approach doesn’t work when you’re growing quickly or structuring deals through LLCs or partnerships.
Our rental loan programs are custom-built for modern real estate investors who value speed, simplicity, and flexibility. Whether you're a first-time landlord or a seasoned builder managing multiple properties, we give you the freedom to act fast—without the burden of outdated underwriting.
What Makes Our Rental Loan Programs Different
Based in California. Lending Coast to Coast.
We’re headquartered in Ontario, CA, but our rental loan programs reach investors in every state. Wherever your property is, we’re ready to fund it.
Fast Turnarounds That Protect Your Deal
We know deals can fall apart waiting on financing. That’s why most of our rental loans close within 3 weeks or less—without unnecessary paperwork.
Property-Driven, Not Paper-Driven
Our programs don’t require personal income documentation. No W-2s. No tax returns. We care about the property’s performance—not your paycheck.
Options for Every Strategy
Whether you're holding for long-term income, refinancing a rental, or scaling your investments, we offer flexible loan terms that adapt to your goals.
Investor-Friendly From Day One
We work with new and experienced investors alike, offering guidance, clear terms, and a smooth process from pre-qual to closing.
Get the rental financing you need—without the income hassle. Whether it’s your first rental or your fiftieth, Restoration Funding Corp is ready to fund it fast. Call us today at (844) 502-1541. We’re based in Ontario, CA, and proudly serve real estate investors across the U.S. with smart, asset-focused lending solutions.
