Investor lending
Finance long-term rentals, short-term rentals, portfolios, and value-add projects through a panel of investor partners. We match the scenario; the investor makes the credit decision.
Tesni works with a panel of investor partners that offer rental property financing for buy-and-hold investors. Programs include long-term rental, short-term rental, cash-out and rate-and-term refinance, portfolio, bridge-to-rental, and LLC vesting. This is one of several options, not a single-lender program. Guidelines, eligibility, and availability vary by investor and state.
Long-term rental
A long-term rental loan qualifies the property on its rental income rather than your personal income. It is used for 1-4 unit rentals, condos, townhomes, and select 1-8 unit buildings, with purchase, cash-out, and rate-and-term options.
View programShort-term rental
A short-term rental loan finances a property used for Airbnb, VRBO, or other vacation rentals. The investor reviews the property's income, the market, local rules, and the borrower's profile.
View programCash-out refinance
A cash-out refinance replaces an existing rental loan with a new loan and releases equity to the borrower. Investors use it to fund another acquisition, a renovation, or reserves.
View programRate-and-term refinance
A rate-and-term refinance replaces an existing rental loan with a new loan on different terms. Investors use it to move out of a bridge or hard-money loan, change the amortization, or stabilize the payment.
View programPortfolio loans
A portfolio rental loan reviews several properties together instead of one loan at a time. Investors use it to streamline debt, manage entity structure, and support a larger portfolio.
View programBridge-to-rental
Bridge-to-rental financing is a short-term loan used to acquire or stabilize a property, with a planned refinance into a long-term rental loan. It fits value-add purchases and properties that need renovation before they can support permanent debt..
View programLLC rental loans
An LLC rental property loan lets an investor hold a rental property in a legal entity instead of a personal name. Many rental programs allow LLC, corporation, or limited partnership vesting.
View programStep 1
Property type, units, use of funds, entity, timeline, and the outcome you need.
Step 2
We compare program fit across multiple investor partners, not a single source.
Step 3
We explain the trade-offs and connect you with the investor most likely to fit the file.
We use that to compare investor programs. We do not approve, fund, or set pricing; the investor makes the credit decision.
No. Tesni is a marketplace and broker. We work with a panel of investor partners. We do not approve, fund, or set pricing, and final terms are subject to the investor's review.
No. Availability varies by investor and state. Some programs are limited to specific markets or property types. We confirm eligibility before you apply.
No. The point of the panel is to compare. We match the scenario to more than one option when the file supports it.
Many rental programs use property income and entity documentation instead of personal tax returns. The exact documentation depends on the investor and program.
Many programs allow LLC, corporation, or limited partnership vesting. Entity requirements and state rules vary by investor.
Timelines vary by program and investor. Rental purchases and refinances commonly take 30-45 days; bridge programs can move faster. The investor sets the final timeline.