For Property Owners
Grow Your Portfolio with Rent-Backed Financing.
We transform stable, recurring revenue streams into high-quality financial instruments. Leveraging advanced modeling and data analytics to create innovative investments backed by real, predictable income.
Unlock Hidden Value
Unlocking Hidden Value in Real Estate
At its core, real estate equity is the right to collect the cash flow generated by a property—whether from rent, a sale, or other revenue sources. These cash flows are stable enough that lenders and rating agencies rely on them. However, traditional lenders hedge against market fluctuations by only lending against a portion of a property’s value, leaving behind a significant portion of untapped cash flow.
This is where RealNOI comes in.
Rather than waiting years to realize their full profit, property owners can accelerate their earnings today. By purchasing a portion of these future cash flows at a discount, we provide immediate liquidity without impacting the property’s equity value. This unlocks capital for reinvestment, delivers faster returns to investors, and enables strategic property improvements—strengthening both individual assets and the broader real estate market.
With RentStreams, we’re transforming how equity holders access their wealth.
Real value. Real opportunity. RealNOI.
Why use RealNOI financing
Better, faster, smater
With RealNOI you can unlock the value of your rental income with RentStreams and take advantage of a smarter way to finance your property. Realnoi.io offers a faster, more flexible alternative to traditional bank loans. With RentStreams, you can unlock capital based on your rental income—without the hassle of strict credit checks or personal guarantees.
Fast and easy funding
Skip the long bank approvals. Get financing quickly based on your rental revenue.
No personal guarantees
Your loan is secured by your rental income, not your entire property.
More cash flow, less stress
Flexible repayment terms designed around your rental earnings.
Competitive rates
Access funding from a network of investors for better terms.
Get your property financed
Turn your rental income into capital.
Tired of being building rich and cash poor. RentStreams pull more value out of your property for you to use in other projects. Without selling your property or selling your soul to a mezzanine lenders.
Submitting your property for review
The Process and Document Checklist
Each property is carefully analyzed to deterimine the loan amount that can be offered and fits the criteria to be listed on the RealNOI marketplace, where it is made available to our investors.
Upload and enter needed information
Upload the information about your property
In order for our financial models to establish an offer for your property, we need to collect so information about the property and its current and past performance
Data Review and Forward Modeling
The supplied data is loaded into our proprietaty modeling engine to determine if your property is a fit for the RealNOI marketplace
Fit Analysis
Our underwrting experts weigh the model results to determine the fit based on a number of factors.
Offer
We reach out to you with an offer based on the medium modeling results, that is fair to both you, the building owner, and our customers, the rentsream investors.
Marketplace listing and issuance
Market Place Listing
Or design team, creates the pages for your property in our market place and tokenization platform to educate and drive for a quick close
Notices to Platform Investors
Once your listing is approved and listed, the RentStream inventor communiity of informed about the poportunity and encouraged to particiate for a fast closing process
Subscriptions collected in Escrow
As listing pokens are reserved and funded, the collected funds are collected in escrow until such a time that all tokens have been spoken for
Listing funding completion
Once funding is complete, the needed tokens are issued and the fund as transfered to our closing escrow service provider, where it will be held until closing is compelte
Tokenization, closing and funding
Rentstreams are tokenized and preparred for issuance
Once funding is complete, the needed tokens are issued to the respective RentStream investors who participated and funded
Funds enter closing escrow
The fund as transfered to our closing escrow service provider, where it will be held until closing is compelte
Review and execution of closing documents
Closing documents are finalized and submitted to the property owner for review and execution
Fund release to you, the property owner
Upon closing completion, the funds are released from escrow and transfered to the property owner
Document check list
Financial Performance
Environment Impact
Maintenance Records
Debt Load
Tenant Terms
Key property Data
Available Units
Occupancy Rate
Year Constructed
Year Renovated
Amenities
Average Rent Per Month
Average Rent Per SF
Location Information
Available Floorplans
Property Website
Owner Description of Property
Property Manager
Property Key Points of Interest
Building Style
Maintenance Category
Rental Classification
Rental Market Rating
Questions that we can answer
Frequenly asked Questions
Loan Structure and Terms
How does a RentStreams loan work compared to traditional real estate loans?
Rentstreams and Commercial Mortgages are pretty much identical, with one exception. We only sign a Note and an Assignment of Rents, no Mortgage document. We do not want to foreclose on properties. Our security is the collection of the rents.
What are the typical loan-to-value (LTV) and loan-to-rent (LTR) ratios?
We don’t use these terms. Our financing is based on a calculation, it isn’t limited by a subjective value. In real terms becasue we use a 5% discount rate the principal amount we calculate is very close to the value f the building at a 5 cap. Our loans typically are at 130% of what a traditional lender would offer.
What are the interest rates and repayment terms?
iOur financing is based on a 5% Discount Value. Which means that you are agreeing to a 5% minimum return to noteholders. The way our financing is structured, you give us an assignment for 100% of rents, we pay the expenses of the building, the reminder of the funds are remitted to Noteholders. It get applied first to interest, than to a preset amortization of principal. In each period any additional money is paid to noteholders as additional interest. Borrowers can exit the arrangement at any time. The intial term is 20 years. This makes sense because we offer loans that are 130% of traditional loans.
Are there prepayment penalties or exit fees?
The only requirement for exiting early is that the borrower must maintain a minimum 5% return to the noteholders and pay a .5% fee.
Is this a recourse or non-recourse loan?
Non-recourse except for fraud.
Underwriting and Qualifications
How is my rental income evaluated for underwriting?
We take a copy of the rent roll and any historical rental information you can supply and we put this into our modeling engine. This produces a 20 year forward looking Rent analysis on an apartment by apartment basis. We than study expenses and do the same forward projection. Combining those we come up with a 20 year projection of the Net Operating Income. We use a 5% discount value and take the Net Present Value of that number to arrive at the financing offer we present.
What documents are required to qualify for a RentStreams loan?
Our documents are the same as any other loan. But to get an offer you just need to send us three years of history and a rent roll.
Do you consider credit score or personal financials, or is it purely based on rental income?
No these are not considerations.
How do you factor in vacancy rates and lease expirations?
Our advance modeling builds non revenue months into our projections. These could be vacancies, or incentives or move in move out months. But we do include them in our analysis.
Can I still qualify if I have mixed-use or partially vacant properties?
We do mixed use. But we are careful about the percentage of rent coming from commercial versus multifamil so call us to discuss.
Risk and Security
What happens if my rental income drops unexpectedly?
Our loan to you is predicated on us accepting the financial responsibility of the rent moving up or down. There is no interim default or penalty if they move down.
What kind of protections do I have as a borrower?
You still own the building and you can exit the arrangement. You are also still in charge of managing the building.
Are there any restrictions on how I use the funds?
Not from our side. But most people have partners or family and they will undoubtedly have somehting to say.
What happens in case of a default?
The only interim default happens if the building start to perform poorly. We reserve the right to substitue a property manager if that happens. Financial default are taken care of at the end of the term, or if you decide to leave early.
How does tokenization impact my loan security and ownership?
Tokenization is our way of broadening the investor audience for Rentstreams. It has no effect on the borrower.
Property submission form
Complete the submisson form to get the process started.
Please provide as much information as possible about the property. We will provide you with a private, secured upload link, where the support documentation be uploaded separately.