Loan Program
Rental Property Financing
Capital for acquiring or refinancing single-family and small multifamily rentals, aligned to long-term ownership goals.
Overview
Who this loan is designed for
Rental financing supports investors building cash-flowing portfolios. Whether you are purchasing a stabilized rental or refinancing out of a short-term loan after a renovation, the structure is built around the asset and your hold strategy.
This is investment-property lending — not a conventional owner-occupied consumer mortgage — so the property, the plan and the transaction drive the conversation.
Common uses
- Purchasing a stabilized single-family rental
- Refinancing a completed BRRRR project out of short-term financing
- Acquiring small multifamily assets (typically 2–4 units)
- Consolidating or repositioning existing rental holdings
Illustrative scenarios only. Structure and eligibility are determined in underwriting.
Underwriting Focus
What Bear City Capital considers
Five things shape the conversation on every submitted deal.
01
Property
Asset type, condition, unit mix and rental market.
02
Project
Whether the property is stabilized, leased or being repositioned.
03
Timeline
Closing needs and whether you are exiting an existing loan.
04
Borrower
Ownership entity, portfolio context and experience.
05
Exit strategy
Long-term hold, portfolio refinance or eventual sale.
How It Works
From Deal to Closing
Four steps from first conversation to funded capital.
- 01
Share Your Deal
Property, requested financing, project scope, timeline and exit strategy.
- 02
Review Options
Bear City Capital evaluates the opportunity and potential financing structures.
- 03
Complete Underwriting
Provide borrower and property documentation so the file can move efficiently.
- 04
Close and Execute
Complete closing and put the capital to work on the project.
Program FAQ
Rental Property questions
Specifics are best answered against a real deal — send yours in for review.
Other Programs
Explore more financing options
Get Started
Your Next Deal Starts With the Right Capital.
Tell us what you're working on and we'll talk through your financing options.
Subject to underwriting and program eligibility. Non-owner-occupied investment property only.