Our rental loan program is designed for investors seeking a simple financing solution for purchase or refinance, with the flexibility to remain in the loan for up to 30 years and cash-out up to 80% of LTV.

Our Rental Loans program provides long-term financing for single family residential properties, multi-family properties, commercial properties and portfolios. Rental property loans are essential to building long term wealth through rental real estate. Tidal Loans mission is to provide our clients flexible, private real estate rental loans, allowing our clients to attain financial freedom through real estate investing. We have experience achieving our mission not only in Houston, but throughout the state of Texas.

Texas has been a great place to invest and will be for the foreseeable future. Obtaining conventional financing can only take investors so far with their strict lending guidelines, seasoning requirments, and steep down payments. As a private money lender, Tidal Loans can open up your opportunity to invest in more Texas rental properties.

We are private lenders that specialize in providing rental property loans for investors looking for landlord loans, portfolio loans, and rental property loans.

We are able to close our clients rental real estate loans quickly by our streamlined internal underwriting process, dedicated support staff, that emphasizes only the property level cash flow. Unlike conventional banks and hard money lenders, who underwrite borrowers personal finances. Our rental property loans are tailored for real estate investors.

Rental Loan Program Features:

  • 30 Year Amortization and 30 Year Term Options
    • Our 30 year amortization allows our investors the ability to get the maximum amount of cash flow from their properties. Our 30 year term option, gives our clients peace of mind, so they do not have to worry about balloon payments coming due.
  • Flexible Amortization Options | Interest Only for 3 or 5 years!
    • Interest-only for three years, followed by 27-year amortization schedule.
    • Interest-only for five years, followed by 25-year amortization schedule.
    • Fully amortizing over 30 years.
  • No seasoning requirements. No income

verification! No Tax Returns Needed!

  • Allows our clients to grow their portfolio faster. Investors can pull out up to 80% of the

appraised value, even if you owned the property for just a week. We do not verify income either, because we care about the property cash flow, not our clients.

  • Approval is based on property cash flow, not personal finances.
    • We do not ask for any tax returns or looks at personal debt-to-income ratios. Just the expected property cash flow. We analyze the property expected property debt to income. Property debt-to-income calculation:

= Monthly amortized payment+ Insurance + Property Tax/Monthly Gross Rent

  • (For the property to cash flow well, you want this number below 90%)
  • Up to 80% LTV on cash-out refinance and 85% on purchases!
    • Our investors love this, because they are able to pull out all their cash out they may have in the property, plus more for the next deal.
  • Low rates!
    • Over competitive rates with conventional lenders. Our Rates start at 5.9%, based off property cashflow and LTV (loan to value)
  • Commercial Property Financing.
    • Multi-Family loans & Mixed Use Loans- Up To 75% LTV.
    • Retail, Office, Automotive, and Self-Storage loans- Up To 70% LTV.
  • No Experienced Needed
    • First time investors are welcome! Loans for rental properties are made easy with Tidal Loans.
  • Nationwide Lending
    • We provide our private funds to investors in many states around the Country. Contact us to know if we lend in your city.


  • EFFIENCEY – We are private lenders and approve our loans in house. The property cash flow and value are what we underwrite. In result, we can close loans as fast as 5 business days.
  • EXPERIENCE– We have over 50 years of combined experience in real estate investing, and lending. We have and are in your shoes. Tidal Loans is here to help you on the front end, analyzing your potential deal to make sure your hard earned money will be safe and earning a solid return on capital.


It’s a big deal if you are looking to scale at a decent pace. For example, lets say your all in cost, purchase plus rehab is $100,000. However once renovation is complete and a tenant is in place, it appraises for $150,000. Most lenders will only lend off the “loan to cost” value, if you refinance in less than a year. However our rental loan product allows our investors to pull out more cash! We will lend up to 80% of the appraised value even if you owned the property for just a month.  So instead of getting out only $75,000 from a bank. Our rental loans product allows you to pull out up to $120,000! Allowing our clients to scale faster, buy more deals, and get closer to achieving your financial freedom through passive income!


See How It’s Worked For Others

Click a property below for more information. For a full list of case studies click here.