90%

Up to 90% of Purchase
Loan-to-Cost (LTC)
(Max 70% of ARV)

100%

Up to 100% of Rehab Costs
Rehab Financing
(Max 70% of ARV)

5.4%

Rates start at 5.4%
and 3 points

Lower Rates. Stronger DSCRs. Faster Closes.

As rates trend down and liquidity returns, long-term rental financing is improving week by week—lower coupons, tighter spreads, and more flexible structures. That shift means stronger DSCRs, lower monthly payments, and more borrowers qualifying for their next acquisition or cash-out refi. We reprice against our lending partners daily and pass improvements through quickly, so you can lock terms that fit your hold strategy—30-year fixed or hybrid ARMs, interest-only periods, and competitive LTVs on SFRs and small multifamily.

Run your scenario in our DSCR/Rental Analyzer, then talk with our team to translate today’s market tailwinds into a clear, fast path to closing.

What We Offer

Up to 90% of Purchase Price
Up to 100% Rehab Financing
No Debt-to-Income (DTI) Requirements
No Employment or Income Verification
Private Portfolio Lender – Gives us Flexibility
Continued Guidance, Expert Advice and Resources
New/First-Time Investors Eligible

We are Offering New Programs

Ground-Up Construction

• Up to 75 % LTC
• 24-month IO
• 660+ FICO

Land & Lots Loans

65–70 % LTC on entitled land or shovel-ready lots

Small Multi-Family
(14-50 units)

• DSCR ≥ 1.15
• 5/7/10/30-year terms
• Interest-only options

Single Tenant &

Duplex-Tri-Plex

• 30-year fixed or 5/1 ARM
• Close in 14 days

We make Private lending easy

We Can Close in 10 Days or Less!

Move from application to clear-to-close in as little as 10 days. Our DSCR workflow is built for speed and certainty: same-day scenarioing, fast DSCR pre-check, day-1 appraisal/title orders, and a single point of contact to quarterback each step. You’ll get a clean, bank-grade term sheet up front, transparent fees, and proactive updates until docs are signed.

DSCRs with Options – The Leniency Real Estate

Investors Need

We qualify primarily on the property’s cash flow—not your W-2s. If the numbers pencil, we move. Typical options include 30-year fixed or 5/7/10-year ARMs (with interest-only periods available), purchases, rate-term refis, and cash-out on stabilized assets. Eligible property types range from SFRs and 2–4 units to small multifamily, with competitive LTVs and flexible prepay structures. Use our Rental Analyzer and DSCR Calculator to test scenarios, then lock a term sheet that fits your hold strategy.

3 Steps to Get Funded

Apply

Fill out our quick online form to detail your project and timeline.

Get Approved

Our team reviews your submission, verifying property and strategy.

Close & Fund

Sign documents, receive funds, and leverage our ongoing support.

Testimonials

“I borrowed from the nice and personable folks at Best REI Funding for my first ever BRRR project. The staff was easy to work with and very helpful. The paperwork was minimal. The response time for the evaluation of my deal and access to funding was really fast. Best REI Funding came through on time and followed through with all their promises. I’d borrow from them again in an instant and plan to for my next project.”

Dan Gray, Gray Eagle

“I have been using Best REI Funding’s Services since 2007. They are extremely easy to use and its a no hassle funding process. They offer quick decisions, quick closings, no appraisal, and they get deals done. I would highly recommend them for your lending needs!”

Nate Andree, NJA Investments

“When I was looking into national lending partners, someone in my online Deal Makers community recommended Jeff Cichocki and his Best Rei Funding team. I was a bit skeptical at first, but then again, I was about to randomly search on Google for local lenders. All I can say is, Best REI Funding changed my idea of what a partner could look like, and we've since closed 6+ deals together.”

Latoya James, Stress Free Property Management

Get your Deal Funded Today

Get your loan application in process today. Once submitted, your initial application will be quickly reviewed by our team. You’ll hear back from us soon with the loan terms that apply best to your situation.

Apply Now

Long-Term Funding

90%