Rental Portfolio Loan

The Rental Portfolio Loan is designed for both the novice and professional landlord. Qualifying is easy, approval is based on the cash flow of your rental properties and not your personal debt to income ratio. Their is no limit on the number of properties owned or the amount of outstanding loans the investor holds. A portfolio loan will allow you to consolidate multiple mortgages into a single payment mortgage. Cash-Out to unlock equity from existing properties, Refinance to improve cash flow or Purchase to build on your portfolio. This is a great opportunity to start or expand your empire.


Key Points

Minimum Mid-FICO 650

$50,000 Minimum Property Value 

5 Property Minimum

Section 8 Housing Permitted

Multi-State Properties - Ok

Close Within 4-6 Weeks (dependent upon portfolio size)




$1 million - $50 million+

LTV: up to 80%*

Interest: from 5.50%**

Rate: Fixed 

Term: 5, 7 or 10 years

Amort: up to 30 years or Interest-Only

DSCR: 1.25x minimum

Multiple Prepayment Penalty Options

Recourse and Non-Recourse Options










Condominium (warrantable and non-warrantable)

Single Family Residence





Planned Urban Developments (PUD)

Multifamily (5+ units)

Vacation Rentals (Airbnb, Seasonal, etc…)

*Up to 80% LTV on a purchase and up to 75% LTV on a refinance with or without cash-out.

**Interest Rate dependent upon credit score, loan-to-value, fixed term and DSCR.