Outside the city limits doesn't mean outside our lending footprint.

Most lenders stop at the city line. We don't.

At Onyx Capital Lending, we finance rural investment properties across 48

states — including properties that traditional banks and conventional lenders

won't touch. Rural rentals, country homes, small farms with residential

structures, large acreage properties — if they generate income or have

investment value, we have a loan program for them.

We underwrite based on the property's value and income potential, not

your tax returns or W-2s. Rural investors deserve the same access to

capital as urban investors. That's exactly what we provide.

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LOAN HIGHLIGHTS

✅ Loan amounts from $100K to $3M+

✅ No tax returns or W-2s required

✅ Rural residential and commercial properties eligible

✅ Acreage properties considered

✅ Qualify based on property value or rental income

✅ Fix & flip and buy-and-hold strategies welcome

✅ LLC, LP, and corporation vesting okay

✅ Close in as little as 14 days

✅ Available in 48 states

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ELIGIBLE PROPERTY TYPES

• Rural single-family rental homes

• Country homes and farmhouses (investment purpose)

• Small farms with residential structures

• Cabins and vacation rental properties in rural areas

• Rural multifamily (2–4 units)

• Large acreage with residential improvements

• Rural commercial and mixed-use properties

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WHO THIS IS FOR

Rural loans at Onyx Capital Lending are built for:

• Investors acquiring rural rental properties

• Buyers purchasing country homes as investments or vacation rentals

• Investors fixing and flipping rural properties

• Buyers in markets where conventional lenders won't lend

• Out-of-state investors targeting rural markets with strong yields

• Investors buying properties with larger land parcels

If you found a deal outside the city that others won't fund — we will.

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WHY RURAL INVESTORS CHOOSE ONYX

Rural properties often get declined by conventional lenders because of

acreage, property type, or market size. We take a common-sense approach:

• Is the property in good condition?

• Does it have investment value?

• Can we collateralize the loan against it?

If the answer is yes — we can structure a loan around your deal.

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READY TO FUND YOUR RURAL INVESTMENT?

Don't let location kill your deal. Submit your property details and

we'll give you a fast answer.