Longleaf Lending Long Term Rental Property Loans

Twin Falls, Idaho Long-Term Rental Property Loans

Finance your rental property in Twin Falls, Idaho with our 30-year rental loans. Built for real estate investors looking for long-term DSCR investor loans.

Modern, long-term financing solutions

Discover the advantage of Longleaf Lending's Rental Loans

Crafted for savvy Twin Falls investors, our Long-Term Rental Loans enable wealth building through a diverse portfolio of rental properties. We prioritize the cash flow potential of your investments over traditional income metrics, simplifying and streamlining the loan process with interest rates starting at 6.6%.

No Income Verification
Experience a hassle-free process with no need for traditional income verification, focusing on the investment's cash flow with our DSCR metric.
Tailored to Investment Goals
Our loans are versatile, catering to both short-term vacation rentals and long-term leases, aligning perfectly with your strategic investment plans.
Efficiency and Speed
Longleaf Lending values your time. Our process is optimized for quick and smooth progress from application to funding.
Adaptive Financing Solutions
We offer flexible financing options to fit various property types and investor profiles, ensuring that your unique needs are met.

Designed for Twin Falls investors

Build wealth through real estate with our Twin Falls long term rental property loans

Twin Falls's Real Estate Potential: Ideal for 30-Year Rental and Long-Term DSCR Investor Loans

Twin Falls, Idaho long term rental property loans

 Long-Term Rental Loans in Twin Falls, Idaho

Twin Falls, Idaho, is a growing city located in the southern part of the state, known for its stunning natural beauty, including the famous Shoshone Falls and the Snake River Canyon. The city has a friendly, small-town vibe combined with a growing economy, making it an appealing destination for real estate investors. Twin Falls offers excellent opportunities for long-term rental investments, especially for those seeking to take advantage of affordable property prices and a steadily increasing population. By utilizing long-term rental loans, including DSCR loans, investors can secure financing while taking advantage of Twin Falls' growing rental market.

Why Twin Falls, Idaho, for Real Estate Investment Properties?

Several factors make Twin Falls an ideal location for real estate investment:
  • Affordable Real Estate: Compared to other regions in the U.S., Twin Falls offers relatively low property prices, which makes it easier for investors to enter the market without a hefty financial commitment. The affordability of real estate in Twin Falls translates to better potential returns on investment.
  • Growing Population: Twin Falls has experienced steady population growth over the years, driven by both local residents and newcomers attracted to the area. The increasing population ensures a steady demand for rental properties, making it a stable market for long-term rental investments.
  • Steady Rental Demand: Twin Falls is home to a diverse economy, with sectors such as agriculture, healthcare, and manufacturing driving job growth. The presence of businesses and educational institutions, along with an expanding workforce, supports demand for rental properties, especially in the single-family and multi-family sectors.
  • Quality of Life: Twin Falls offers a desirable quality of life with abundant outdoor recreational opportunities, including hiking, fishing, and boating. The city’s scenic beauty, low crime rate, and good schools make it an attractive place for families, professionals, and retirees alike.

The Role of Long-Term Rental Loans

Long-term rental loans, such as 30-year rental loans, provide real estate investors with a reliable financing option for properties that they plan to hold for an extended period. With fixed interest rates and predictable monthly payments, these loans ensure stability in an investor’s cash flow, reducing the risks associated with fluctuating interest rates. By using long-term rental loans, investors can secure financing while benefiting from Twin Falls' promising rental market.

Understanding DSCR (Debt Service Coverage Ratio)

The Debt Service Coverage Ratio (DSCR) is an essential metric that real estate investors use to evaluate the financial health of a rental property. The DSCR compares the property's income to its debt obligations. A higher DSCR indicates that the property generates enough income to cover its loan payments, making it a safer and more profitable investment. For investors seeking financing in Twin Falls, DSCR loans offer an effective way to obtain financing based on a property’s income-generating potential rather than the investor’s personal credit.

Benefits of Long-Term DSCR Investor Loans

Investors in Twin Falls can benefit from long-term DSCR loans in a variety of ways:
  • Cash Flow-Based Financing: DSCR loans are based on the rental income of the property, allowing investors to qualify for financing even if they do not have perfect credit. This makes DSCR loans a flexible and attractive option for real estate investors.
  • Larger Loan Amounts: Since DSCR loans focus on cash flow, investors can often secure larger loan amounts than they would be able to with traditional financing methods. This allows for the acquisition of more properties or larger, more lucrative investments in Twin Falls.
  • Predictable Financing: With fixed interest rates and longer loan terms, DSCR loans provide stability. Investors can rely on predictable payments, which helps them manage their cash flow and plan for future growth.
  • Tax Benefits: Long-term rental loans come with several tax advantages, including deductions for mortgage interest, property depreciation, and other property-related expenses. These benefits can significantly improve the profitability of rental investments in Twin Falls.
  • Cash-Out Refinancing: Investors can access equity through cash-out refinancing, using the funds to reinvest in additional properties or other investment opportunities. This flexibility allows for continuous growth in a real estate portfolio.

Why Choose DSCR Loans in Twin Falls, Idaho?

Twin Falls is an up-and-coming city with a growing population, affordable real estate, and a solid rental market. DSCR loans are a great fit for investors in this area for several reasons:
  • Steady Rental Market: With a growing economy and increasing population, Twin Falls has a consistent demand for rental properties. This ensures that investors can rely on steady occupancy rates and rental income, making it an ideal market for long-term rental investments.
  • Economic Growth: Twin Falls’ economy is diverse, with industries such as agriculture, healthcare, and technology driving growth. The expanding job market provides a stable environment for rental property investors, even in the face of broader economic changes.
  • Investment Security: DSCR loans focus on cash flow, which helps ensure that your rental properties remain profitable over the long term. This provides investors with greater security and peace of mind.
Investing in rental properties in Twin Falls, Idaho, using long-term rental loans and DSCR investor loans presents a strategic opportunity for investors seeking to benefit from the city’s growing economy, affordable real estate, and steady rental demand. By leveraging the financial stability offered by DSCR loans, investors can maximize their returns and build a successful rental property portfolio in Twin Falls. 

About the Longleaf Lending Team

Longleaf Lending is a veteran-owned, direct lending firm with a deep focus on the real estate market. Established in Texas, we bring over two decades of combined experience in real estate, hard money lending, and investment banking.

Funding Experience

Since 2018, we have funded over 600 hard money loans, totaling more than $125 million in loan value.

Expert Leadership

Our leadership includes co-founders Pete Underwood and Matt Weidert, who bring extensive experience from real estate investment, investment banking, and military service.

Commitment to Innovation

We are committed to providing innovative real estate solutions, with a strong focus on integrity and professionalism as a member of the American Association of Private Lenders.

For more about our journey and the dedicated team behind Longleaf Lending, visit our full About Us page.

Long Term Rental Loan Terms

Get the financing you need to build wealth with real estate using our DSCR long-term investor loans.

Long Term Rental Loan
Loan Value:
$75,000-$2,000,000
LTV:
Up to 80% (as is)
Interest Rate:
Starting at 6.6%
Points:
1-3
Term:
30 years
Closing Time:
As fast as 2 weeks
FICO:
660 minimum

Applying does not affect your credit score

Apply for a Rental Loan in 60 Seconds

Begin the funding process by completing our short online form.