Investor 1–4 30-Year Fixed Loan
Quick answer
Kismet Kapital's Investor 1–4 30-Year Fixed loan finances 1–4 unit rental property from $75,000 to $2,000,000 on a 30-year, fully amortizing fixed rate with no balloon. It covers purchases, rate-and-term refinances and cash-out refinances nationwide, with simple income documentation.
- Loan size
- $75K – $2MM
- Term
- 30 years, fixed
- Amortization
- Fully amortizing
- Balloon
- None
- Purpose
- Purchase / refi / cash-out
- Coverage
- Nationwide
Overview
This is the core hold-forever loan for residential investors. A single fixed payment for up to 30 years removes refinance risk from the business plan, and simple documentation keeps closings predictable for investors whose personal tax returns don't tell the full story.
How it works
- Submit the property address, purchase price or value, and rent roll.
- Kismet returns a structured read within 48 hours.
- Appraisal and simple income documentation are collected.
- The loan closes on a 30-year fully amortizing fixed schedule.
Best for
- Buy-and-hold investors locking in long-term payments
- Refinancing out of a short-term bridge or hard-money loan
- Cash-out refinances to fund the next acquisition
- Foreign nationals investing in U.S. rentals (ITIN accepted)
Key facts
The Investor 1–4 30-Year Fixed loan ranges from $75,000 to $2,000,000.
The loan fully amortizes over 30 years and carries no balloon payment.
Shorter fixed terms are available on request.
Foreign investors are eligible and an ITIN is accepted.
First-time homebuyers are not eligible; first-time investors are eligible with reduced leverage.
Frequently asked questions
How much can I borrow on a 30-year fixed rental loan?
Loan amounts run from $75,000 to $2,000,000 per property. Larger balances up to $10,000,000 are available through the Large Balance program.
Is there a balloon payment?
No. The loan is fully amortizing over 30 years, so the balance reaches zero at maturity.
Can I use this loan for a cash-out refinance?
Yes. Purchases, rate-and-term refinances and cash-out refinances are all eligible.
Do I need tax returns to qualify?
No. The program uses simple income documentation focused on the property rather than full personal tax returns.
Is there a prepayment penalty?
Yes, a five-year declining prepayment schedule applies, and a buydown option is available.
Engage
Ready to structure your next deal?
Submit your transaction or schedule an introduction call. Confidential review within 48 hours.