Need The Best & Fastest Funding Possible To Buy A Rental Property?

Get Started Here In Seconds:

Rates As Low As 5.375% (5.978% APR) & 24 Hour Underwriting

Close In 2 Weeks | 620 Min. FICO | Loans Up To $100M |1-8 Properties ONLY

1-8 Rental Property Loans

  • 40 & 30 Year Options

  • ​10-Year Interest-Only

  • Up To 85% LTV On Purchase

  • Up To 80% On Cash-Out

  • Loans Up To $50 Million

  • No Tax or Income Doc Options

  • Up To 8 Units

  • ​Qualify On Bank Statements / P&Ls

  • Blanket & Portfolio Loans

1-8 Bridge and Construction

  • Up to 90% LTC

  • ​Loans up to $100 Million

  • Fix + Flip & Bridge

  • Bridge Loans

  • Middle-of Construction

  • Ground up Construction

  • Middle-of Construction

  • ​1-4 Unit Multi-Family

Properties we don't lend on

  • 9+ Unit Properties

  • ​Warehouses

  • Mixed-Use

  • Land

  • Manufactured/Mobile Homes

  • Special Use/Niche

Rates Are Low & Our Process is Quick & Painless

We’re here to make the process a whole lot easier, with tools and expertise that will help guide you along the way.

We’ll help you clearly see differences in programs, allowing you to choose the right one for you whether you’re a first-time home buyer or a seasoned investor.

30 Year Fixed Rate Mortgage

The traditional 30-year fixed-rate mortgage has a constant interest rate and monthly payments that never change. This may be a good choice if you plan to stay in your home for seven years or longer. If you plan to move within seven years, then adjustable-rate loans are usually cheaper.

15-Year Fixed Rate Mortgage

This loan is fully amortized over a 15-year period and features constant monthly payments. It offers all the advantages of the 30-year loan, plus a lower interest rate and you’ll own your home twice as fast. The disadvantage is that, with a 15-year loan, you commit to a higher monthly payment. Many borrowers opt for a 30-year fixed-rate loan and voluntarily make larger payments that will pay off their loan in 15 years. This approach is often safer than committing to a higher monthly payment, since the difference in interest rates isn’t that great.

Adjustable Rate Mortgage

An ARM is an Adjustable Rate Mortgage. Unlike fixed rate mortgages that have an interest rate that remains the same for the life of the loan, the interest rate on an ARM will change periodically. The initial interest rate of an ARM is lower than that of a fixed rate mortgage, consequently, an ARM maybe a good option to consider if you plan to own your home for only a few years; you expect an increase in future earnings; or, the prevailing interest rate for a fixed mortgage is too high.

FHA Loans

An FHA loan is a mortgage loan that is insured by the Federal Housing Administration (FHA). Essentially, the federal government insures loans for FHA-approved lenders in order to reduce their risk of loss if a borrower defaults on their mortgage payments.

The FHA program was created in response to the rash of foreclosures and defaults that happened in 1930s; to provide mortgage lenders with adequate insurance; and to help stimulate the housing market by making loans accessible and affordable.

VA Loans

A VA loan is a mortgage loan in the United States guaranteed by the U.S. Department of Veterans Affairs (VA). The loan may be issued by qualified lenders. The VA loan was designed to offer long-term financing to eligible American veterans or their surviving spouses (provided they do not remarry).

Jumbo Loans

A jumbo loan is a loan that exceeds the conforming loan limits as set by Fannie Mae and Freddie Mac. As of 2022, the limit is $647,200 for most of the US, apart from Alaska, Hawaii, Guam, and the U.S. Virgin Islands, where the limit is $970,800. Rates tend to be a bit higher on jumbo loans because lenders generally have a higher risk.

Super Jumbo Loans

A super jumbo loan is a loan between 2.5million and 30 million. Rates tend to be a bit higher on super jumbo loans because lenders generally have a higher risk.

40-Year Interest Only

Q:How does this work?

​The first 10 years are interest only, followed by a 30-year fixed in years 11-40 (principal & interest)

​Q: Does the rate ever change?

​No, it is FIXED the entire 40 years

​
Q: Can I pay the principal down in first 10 years?

Yes, you can!

​Q: Any prepayment penalties?

​The standard is 3 years

​The penalty is equivalent to 6 months of interest payments

​There is no penalty if you decide to sell, only if you refinance or pay off the loan in full

​During the first 3 years, you are allowed to pay up to 20% of the principal down with no penalty

​Q: Any PMI for 15% down?

​None

Q: ​Can I use this to finance a manufactured home?

​Unfortunately not

​

Q:Can I use this on a refinance?

​Absolutely! Cash-out and Rate and term!

​Q: What properties are these available for?

​Single family, condos, 2-4 units

Q: ​Does it have to be investment property?

​This is available on primary residences, second homes, and investment properties!

​Can I close in a LLC, corporation, trust, or other entity?

​Yes! We just need to make sure the majority owners are on the loan, or members are on the loan.

Creative Financing Options

  • Bank Statements

  • ​Self employed people don't need to sacrifice write-offs to qualify for a loan

  • ​12 and 24 month options

  • ​1099 Only

  • ​P&L + 2 months bank statements

  • ​Asset utilization

  • ​Anything liquid including bank accounts, stocks, bonds, trusts etc

  • ​Bitcoin used as an asset or income

  • ​Cross collateralization/Pledging

  • ​Liquid or non liquid

Short Term Rental Loans

Qualified off of short term rental survey or AIRDNA data

Investor X ( DSCR )

  • Personal income is not a factor

  • ​No tax returns or any income docs needed

  • ​Property cash flow is used to qualify

  • ​Investment properties only

  • ​Negative cash flow acceptable

  • ​Long or short term rentals

  • ​Program available in all 50 states

  • ​Up to 29 units

  • ​Long term fixed loans

Bridge Loan With Rehab

  • Property Type: 1-4 residential property

  • ​Occupancy: Investor

  • ​Lending Area: Nationwide

  • ​Loan Amount: 150k+

  • ​LTV: Up to 90% LTC

  • ​Experience: Not Required but Needed for Highest Leverage

  • ​Income Documentation: Not Required

Ground Up Construction

  • Property Type: 1-4 residential property

  • ​Land: Must be owned and Permits Issued by Closing

  • ​Occupancy: Investor

  • ​Lending Area: Nationwide

  • ​Loan Amount: 150k+

  • ​LTV: 85% LTC

  • ​Experience: 3 Experience in last 3 years (one must be GUC)

  • ​Income Documentation: Not Required

WORK WITH US

Convoy Home Loans is dedicated to helping other families and individuals improve their quality of living. We have the trust of our clients and partners because we earned it. We hold ourselves to the highest standards and deliver on those standards in every case.

©2025 Convoy Home Loans

2100 E Grand Ave,  El Segundo CA 90245

All Rights Reserved

Company License Number - 02147305 

CONVOY HOME LOANS, INC., 1023959 & 2130517, LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT, 2130517, LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA RESIDENTIAL MORTGAGE LENDING ACT, 1590915 OR LICENSED BY THE DEPARTMENT OF BUSINESS OVERSIGHT UNDER THE CALIFORNIA FINANCE LENDERS LAW, 1590915, LICENSED BY THE CALIFORNIA DEPARTMENT OF REAL ESTATE, 02147305, 2130517, CONVOY HOME LOANS, INC., 2130517, 2130517, 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC., 1590915, 1590915, 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC. & 2130517, 2130517, CONVOY HOME LOANS, INC., [BROKERS CERTIFICATE OF REGISTRATION NUMBER], 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, 2130517, CONVOY HOME LOANS, INC., 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, RESIDENTIAL MORTGAGE LOAN ORIGINATOR, 1590915, CONVOY HOME LOANS, INC.,2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, CONVOY HOME LOANS, INC., 2100 EAST GRAND AVENUE, EL SEGUNDO, CA, 90245, 2130517 , RESIDENTIAL MORTGAGE LOAN COMPANY, CONVOY HOME LOANS, INC., 2130517, {NMLSCONSUMERACCESS.ORG}, CONVOY HOME LOANS, INC., CL-2130517, 2130517. RATES CURRENT AS OF 02/24/26. SUBJECT TO BORROWER APPROVAL. SOME EXCLUSIONS MAY APPLY. THE ANNUAL PERCENTAGE RATE {APR} IS 5.978% WITH ESTIMATED FINANCE CHARGE OF $7,600. THE PRINCIPAL AND INTEREST PAYMENTS, WHICH WILL CONTINUE FOR 360 MONTHS UNTIL PAID IN FULL, DO NOT INCLUDE TAXES AND HOME INSURANCE PREMIUMS, WHICH WILL RESULT IN A HIGHER ACTUAL MONTHLY PAYMENT.


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