*Rates, terms, and conditions are applicable only to qualified borrowers based on our current guidelines, property factors, and geographic location. These are subject to change without prior notice. This is a non-binding expression of interest and does not constitute a legally binding commitment or obligation by PIA Capital or its affiliates. All offers are subject to our credit, legal, and investment approval processes. Rates and terms are as of 06-11-2025.
Rental loans are qualified based on considered requirements such as, credit score, loan-to-value (LTV) ratio, and debt service coverage ratio.
The repayment schedule is based on specific terms of a borrower's loan, such as monthly payment, interest rate and due dates.
To be eligible for a rental loan, the property must fall into one of the following categories: 1-4 Single-Family Home, Condo, or Townhome. Moreover, the property needs to exhibit positive cash flow, be designated for residential use (boarding houses are not accepted), and must be in good condition, rated as C4 or better.
The only additional cost associated with a rental loan is the appraisal fee paid by the borrower.
Yes, the qualification for short-term rentals is based on the 12-month ledger from VRBO/Airbnb.
The rental property must be in a livable and rentable condition; therefore, no renovations are allowed.
