Hard Money Takeout Loans for Investment Properties
Used hard money to buy or rehab a rental, vacation home, or fix & flip? We replace it with a 30-year fixed takeout loan — no tax returns required on most programs. Texas and nationwide.
Get a Free Quote Call 888-727-3057The Rental Investor’s Exit Strategy
Hard money gets you into the deal fast. But it was never meant to be permanent financing. High rates, short terms, and balloon payments eat into your cash flow. A takeout loan is how smart investors exit the hard money and lock in long-term, cash-flowing debt.
We specialize in takeout loans for non-owner-occupied properties — single-family rentals, vacation homes, short-term rentals, and small multifamily. If it’s not your primary residence, we can take out your hard money loan and replace it with a 30-year fixed that actually makes sense for your portfolio.
Takeout Loan Programs for Investors
DSCR 30-Year Fixed
Rental income covers the payment? You qualify. No personal income verification. Perfect for investors with multiple properties or complex tax situations.
Vacation Home Takeout
Airbnb or VRBO property? We use short-term rental income to qualify. Replace your hard money with a 30-year fixed on your vacation home or second property.
Stated Income Takeout
Self-employed with high write-offs? We approve based on assets and property value — no income docs on select programs. All credit considered.
Loan Terms
| Feature | Details |
|---|---|
| Loan Terms | 15, 20, 25, and 30-year fixed available |
| Loan Amounts | $200,000 – $3,000,000+ |
| LTV | Up to 75% SFR rental, 85% vacation/second home |
| Property Types | SFR rentals, vacation homes, second homes, small multifamily (2–4 units), short-term rentals |
| Credit | 620+ preferred, all credit considered on hard money bridge programs |
| Income Docs | Not required — DSCR and stated income programs available |
| Close Time | 10–21 days typical |
| Geography | Texas and nationwide |
Fix & Flip and New Construction Takeout
Finished your rehab or just got your certificate of occupancy? Don’t let your hard money loan sit and compound. Convert it to permanent financing now while your equity is at its highest.
Fix & Flip to Rental
Rehab complete, property occupied. Convert your flip loan to a DSCR or stated income 30-year fixed. Start collecting rent — not paying hard money points.
New Construction Takeout
CO in hand and ready to hold or sell? We take out construction loans on SFR and small multifamily with fast close and no income verification on select programs.
Vacation Rental Takeout
Short-term rental producing Airbnb income? We use your actual rental history to qualify you for a 30-year fixed — even if the property isn’t in your primary market.
Portfolio Loan Program — Buy Rentals Like Writing a Check
If you’re a serious rental investor buying multiple properties a year, our portfolio loan program lets you acquire rental properties as easily as writing a check. Get pre-approved for a borrowing limit, then close on deals in days — no full underwrite every single time.
- Pre-approved credit line — know your limit before you find the deal
- Close rental property purchases in days, not weeks
- No tax returns — qualify on property cash flow and assets
- Single-family, small multifamily, and vacation rentals eligible
- Repeat draw — close one property, immediately available for the next
- 30-year fixed and interest-only options available
- Texas and nationwide
Whether you’re building a 5-property or 50-property portfolio, this program scales with you. Tell us about your portfolio and we’ll structure a program around your goals.
Credit Score Improvement — Get Better Terms on Your 30-Year Fixed
Your credit score took a hit — or maybe it was never great. That doesn’t mean you’re stuck with hard money rates forever. We offer a credit improvement program specifically for real estate investors that can raise your score enough to qualify for better long-term rates.
- Review your credit report and identify what’s pulling your score down
- Remove errors, outdated negatives, and collections that don’t belong
- Most investors see meaningful score improvement within 60–90 days
- Once your score improves, we move you into a 30-year fixed at better terms
- No tax returns still required — even after credit improvement
- We handle the credit work and the permanent loan — one relationship
The investor path: Hard money loan now → credit improvement → 30-year fixed takeout at better rates. We walk you through every step so you’re never stuck paying hard money rates longer than you have to.
Frequently Asked Questions
Can I take out a hard money loan on a rental property without tax returns?
Yes. Our DSCR takeout program qualifies based on the property’s rental income — if the rent covers the payment, you can qualify without personal income documentation. This is our most popular program for rental investors.
I own multiple rentals. Can I take out all of them at once?
Yes — our portfolio loan program is designed for exactly that. Instead of a separate loan process for each property, we structure a single credit facility around your entire portfolio. Ask us about blanket loans and portfolio programs.
My vacation rental is on Airbnb. Will you use that income to qualify me?
Yes. We use verified short-term rental income from Airbnb, VRBO, or other platforms to qualify you on DSCR. We want to see 12 months of rental history if available.
How fast can you close a rental property takeout loan?
Most takeout loans close in 10–21 days once we have the application and a third-party appraisal. If your hard money loan is coming due, call us immediately — we’ll prioritize your file.
Do you lend outside Texas?
Yes. Unlike our commercial lending arm, Home Equity Lending is a nationwide lender for non-owner-occupied investment properties, vacation homes, and second homes. We are not limited to Texas.
Ready to Replace Your Hard Money Loan?
30-year fixed. No tax returns. Fast close. Texas and nationwide.
Apply in 3 Minutes Call 888-727-3057our founder | Home Equity Lending | Investment Property Specialists