No lender discount points
On an eligible zero-point structure, you do not pay discount points upfront to reduce the interest rate.
Zero-point rental-property financing
Compare zero-point financing.
Keep more cash in your plan.
Review eligible structures with no lender discount points and no STR Advisory origination fee. Compare the rate, payment, other closing costs and prepayment terms to decide whether the tradeoff fits.
Free registration required to view estimated rates and save your research. No sales call required. Contact our team when you choose. Estimates are subject to lender review.
Zero points does not mean zero closing costs.
No STR Advisory origination fee
Our eligible zero-point structure does not include an STR Advisory loan-origination fee.
Other costs still apply
A $900 processing fee, $300 commitment fee and applicable lender and third-party costs remain. Review the complete written fee breakdown.
Appraisal, title, legal, recording and other applicable charges may apply. Taxes, insurance, escrows, prepaid items and required reserves can also affect cash needed. Availability and fees must be confirmed for your transaction.
The useful comparison
Cash today versus payment savings over time.
Paying points may make a lower rate available. A zero-point option can preserve cash upfront. Compare both using the same loan amount and repayment term, then include the time you expect to keep the loan.
A simple break-even divides the extra upfront cost by the monthly payment savings. Review prepayment provisions and other charges separately.
Compare loan structuresA hypothetical 40-month break-even
If an otherwise comparable option costs $8,000 more upfront and saves $200 per month, the simple break-even is 40 months.
Keeping the loan for 24 months produces $4,800 of payment savings under those assumptions. Keeping it for 60 months produces $12,000.
Illustration only—not a pricing offer. This shortcut ignores time value, tax effects, differences in principal balances and other charges. It is one input to a decision.
Preserve enough cash for the property.
Compare down payment, points, closing costs, initial work and reserves together. Money left after closing may need to cover furnishings, maintenance, vacancy or the next purchase.
A lower upfront cost can come with a higher payment. Test the property under lower income and higher expenses before choosing.
Understand rental-property financing
Review the option in your situation.
Purchase
Compare the loan, down payment and complete cash needed with the income the lender accepts and your operating plan.
Rate-and-term refinance
Include the existing loan’s terms, payoff and any prepayment charge. Compare total costs and the new repayment timeline.
Cash-out refinance
Compare proceeds after payoff and charges, retained equity and the new payment. Additional debt should withstand a downside income case.
Short-term, mid-term and long-term rentals may have different documentation paths. Eligible ownership, leverage, credit, reserves, property location and lender pricing affect available choices.
Analyze first. Request help when ready.
1. Enter the property
Verify the address, choose purchase or refinance, and review rental income and available capital.
2. Compare preliminary choices
Review points, payment, prepayment terms and cash required where eligible options are available. Save your preference.
3. Request a review
Our team checks program fit and missing information. Saving an option alone does not submit an application or lock a rate.
Optional human review
Want our team to check a zero-point scenario?
Use the request below when you want a response. We will review the basic property and financing details and respond using the contact method you select.
No credit pull at this preliminary stage. This is not an application, approval, rate lock or commitment. Do not submit sensitive financial documents through this preliminary form.