FFC Lending · Fernandez Financial Capital
Qualify on the Rent —
Not Your Tax Returns
Investment and rental property loans let real estate investors qualify based on the property's income, not personal paperwork. Build your portfolio faster with financing designed around the deal.
No Tax Returns
Rent Qualifies You
Airbnb OK
Short-Term Rentals
Up to 40-Yr
& Interest-Only
Financing built for investors who want to move quickly and keep it simple.
📈
Qualify on Rental Income
The property's cash flow does the qualifying — not your W-2 or returns.
⚡
Refinance Right Away
No cash-out seasoning — pull equity out soon after you buy or renovate.
🏘️
All Property Types
Single-family, condos, 2–4 units, 5–8 units, and mixed-use.
🌎
Foreign Nationals Welcome
Invest from abroad with just a passport — a simple, streamlined path.
🏖️
Short-Term Rentals Count
Use Airbnb income to qualify — no prior STR experience required.
💡
Flexible Terms
30-year, 40-year, and 10-year interest-only options available.
How It Works
1
Tell Us the Deal
Share the property and your goals — purchase or refinance.
2
We Run the Numbers
The rental income determines what you qualify for.
3
Appraisal & Approval
Simple documentation — no tax returns needed.
4
Close & Grow
Fund the deal and keep building your portfolio.
This Loan Is Perfect For You If…
▸You're buying or refinancing a rental property
▸You'd rather not show tax returns or income
▸You own short-term or Airbnb rentals
▸You're investing from outside the U.S.
▸You want to pull equity out quickly
▸You're growing a rental portfolio
FFC Lending / Fernandez Financial Capital · NMLS #999812 · apply.yourcapitalsolution.com
The loan products shown here are business-purpose, non-owner-occupied investment loans only and are not offered for personal, family, or household use. Loan products and availability vary by state and are subject to applicable state licensing; not all products are offered in all states. All loans subject to credit approval, property evaluation, and program guidelines. Rates, terms, and leverage vary by borrower profile, property type, and market. This is not a commitment to lend. NMLS Consumer Access: nmlsconsumeraccess.org