Loan Program

Rental Property Loans in Jackson Hole, WY

Long-term financing for single-family and multifamily rental investments throughout Jackson Hole, Wilson, Teton Village, and the greater Teton County region.

Request Funding Call 307-313-5330

Rental property loans provide investors with the capital needed to acquire or refinance income-producing residential properties. These loans are designed for buy-and-hold strategies, offering longer terms and competitive rates for single-family rentals, duplexes, triplexes, and small multifamily properties. Building a portfolio of rental properties in Jackson Hole creates long-term wealth through appreciation, cash flow, and tax benefits.

Jackson Hole's rental market serves diverse tenant demand, from year-round workers in hospitality and construction to seasonal employees, from families seeking quality housing to vacation rental investors. This demand supports strong rental rates and occupancy, making the region attractive for buy-and-hold investors. Our rental property loans help you grow your portfolio with financing solutions tailored to investment properties, including DSCR-based qualification that considers property income rather than personal earnings.

DSCR-Based Qualification for Rental Investors

We offer DSCR-based qualification that evaluates the property's ability to cover debt service through rental income. This approach makes it easier to qualify for loans on cash-flowing properties and scale your rental portfolio. Self-employed investors, those with multiple properties, and borrowers who don't show traditional W-2 income can often qualify based on property performance. We use market rents when appropriate, ensuring adequate financing even for properties requiring tenant placement or rent optimization.

Rental Investment Strategies We Support

Our rental property loans support various investment strategies. Traditional long-term rentals, single-family homes and small multifamily, are a core product. We also finance vacation rental properties in appropriate zoning districts, recognizing Jackson Hole's thriving short-term rental market. The BRRRR strategy (Buy, Rehab, Rent, Refinance, Repeat) is supported, refinance your fix-and-flip or rehab loan into long-term rental financing once the property is stabilized. Cash-out refinancing of existing rentals provides capital for additional acquisitions without selling.

Rental Loan Features

Our rental property program offers competitive terms for Jackson Hole area investments:

Loan Amounts: $75,000 to $2,000,000 for single-family through small multifamily
Interest Rates: Starting at 7.99% for qualified properties
Terms: 30-year fixed rates available for stability
LTV: Up to 80% for purchases, 75% for refinances
Qualification: DSCR-based options, qualify on property income
Income Verification: Not required for many programs
Portfolio Loans: Available for investors with multiple properties

Benefits for Rental Investors

Build and scale your rental portfolio with financing designed for investors:

Build passive income with rental properties in a strong market
Long-term fixed rates for payment stability and predictability
Finance based on property cash flow, not personal income
Portfolio loans for investors with 5+ properties
Fast closings to capture opportunities before they're gone
Cash-out refinancing to grow your portfolio without selling
No property count limits, scale beyond conventional lender caps

Jackson Hole Rental Market Dynamics

Jackson Hole's rental market reflects the region's unique economy. Year-round rentals serve the local workforce, hospitality employees, construction workers, teachers, and professionals. Vacation rentals capitalize on strong tourist demand, with premium rates during ski season and summer. Some investors pursue hybrid strategies with seasonal vs. annual tenants. Our team understands these dynamics and can structure financing that aligns with your rental strategy. We evaluate market rents, occupancy assumptions, and property fundamentals based on local data.

Refinancing and Portfolio Growth

Cash-out refinancing of existing rental properties provides capital for further investment without triggering taxable events. Investors with appreciated properties can access accumulated equity to fund additional acquisitions or property improvements. We can refinance immediately after acquisition and renovation completion, no seasoning requirements that trap your capital. This enables the BRRRR strategy and supports rapid portfolio growth. Our streamlined refinance process verifies rental income through lease agreements and bank statements rather than extensive tax return documentation.

Frequently Asked Questions

What is DSCR and how does it affect my loan qualification?

DSCR (Debt Service Coverage Ratio) measures a property's ability to cover its debt obligations through rental income. It's calculated by dividing gross rental income by total debt service. Most lenders require minimum DSCR of 1.2-1.25. Our programs may consider lower DSCR for strong properties. Higher DSCR typically qualifies for better rates and terms.

Can I get a rental property loan if I'm self-employed?

Absolutely. Our DSCR-based rental property loans evaluate property cash flow rather than personal income. Self-employed investors, business owners, and those with complex income can secure financing based on the property's rental income performance. This removes the income documentation barriers that often prevent qualified investors from accessing conventional financing.

Do you finance vacation rental properties?

Yes. We finance short-term rental properties in appropriate zoning districts throughout Jackson Hole, Wilson, Teton Village, and surrounding areas. We recognize the strong vacation rental market and can qualify based on projected short-term rental income or a blend of seasonal and annual rental assumptions. Documentation requirements may vary based on property type and rental history.

How many rental properties can I finance?

We impose no limits on the number of financed properties. Whether you own 2 properties or 20, we can provide rental property loans for additional acquisitions and refinancing. Our underwriting focuses on individual property performance and overall portfolio strength rather than arbitrary property count restrictions.

What loan terms are available?

We offer terms from 5 to 30 years with both fixed and adjustable rate options. Fixed-rate loans provide payment stability for long-term hold strategies. Interest rates typically range from 7.99% to 10.5% depending on DSCR, LTV, property type, and borrower experience.

Loan Features

Loan amounts from $75,000 to $2,000,000

Interest rates starting at 7.99%

30-year terms with fixed rates

Up to 80% LTV for purchases

DSCR-based qualification available

No income verification options

Benefits

Build passive income with rental properties

Long-term fixed rates for stability

Finance based on property cash flow

Portfolio loans for multiple properties

Fast closings to capture opportunities