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Rental Investment Loans | EBSC Lending
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Rental Investment Loans (Business-Purpose)

EBSC Lending

Bridge-style financing for rental acquisitions and refinances—supporting hold strategies, portfolio optimization, and transitional execution.

​EBSC Lending is the investment property loan provider for real estate investors of all experience levels and specialties, including popular strategies—structured to give sponsors time to complete operational improvements, finalize stabilization, or transition to longer-duration capital.

Program Highlights.

Loan Program Overview.

  • Financing for rental acquisitions and refinances

  • Designed for portfolio optimization, recapitalization, and transitional holds

  • Asset-based underwriting with sponsor and cash-flow review

  • Streamlined process built for repeat borrowers and active operators
     

Standard Loan Terms.

  • Loan Amount Range: $5,000,000.00 - $100,000,000.00

  • Interest Rate: Starting from 10.47%

  • Term: 12– 36 months

  • Payments: Interest Only with balloon at maturity.

  • Prepayment Penalty: None

  • Amortization: Interest Only.

​Typical Use Cases

  • Acquisition bridge for stabilized or near-stabilized rental

  • Refinance to retire near-term maturities

  • Cash-out recapitalization where the story and debt service support it

  • Hold strategy while preparing for permanent financing
     

Requirements (What We Typically Need)

  • Requirements (What We Typically Need)

  • Rent roll and operating statements

  • Property summary, photos, and market overview

  • Borrower liquidity, SREO, and track record

  • Exit/refi plan and timeline

  • ​Complete the loan application form available at https://www.ebsc-llc.com/applynow

 

Origination Points / Deposit Policy.

Origination points are 1–5 points, typically due upfront when the Commitment Letter/Fee Letter is executed (prior to closing). Points vary by loan type, size, and term and cover underwriting, processing, legal, third-party reports (appraisal/environmental), and diligence costs. Fees are non-negotiable; no escrows and not deducted from proceeds—requests to do so are automatic disqualification. If the loan does not fund, the deposit is refunded​

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

All loan programs and terms are subject to underwriting, due diligence, and credit approval. Nothing on this page constitutes a commitment to lend. Loan terms may vary based on property, market, sponsorship, leverage, and execution requirements.

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