Portfolio Rental Loan

Use our Portfolio Rental Loan to unlock equity and grow your rental business.

Get Started with a Portfolio Rental Loan

Our Portfolio Rental Loan is designed to help rental investors unlock equity and get cash out of their existing rental investments. Consolidate multiple rental property mortgages into a single loan so you can continue to grow your portfolio.1

Key Product Facts

  • Commercial loan underwritten on property cash flow1
  • No personal income verification1
  • No limit to the number of properties that can be financed9
  • Designed for buy-and-hold investors
Loan Purpose
  • Take cash out of an existing portfolio to buy more properties, or
  • Refinance or consolidate multiple rental loans
Interest Rate1

5.50% – 7.50%

Minimum Property Value
  • Multi-family 5-20 units: $30,000 per unit
  • Other property types: $50,000 per unit5
  • 5 years or 10 years with balloon due at end of term
  • Option to amortize up to 30 years, with interest-only option available6
Borrower Type


Maximum Loan-to-Value (LTV)7
  • 75% LTV for a fully amortized loan
  • 70% LTV for an interest-only loan16
Maximum Loan-to-Cost (LTC), Cost is purchase price amount8

Time Owned : Constraint

  • ≤ 90 days : 80% LTC
  • > 90 days : Full appraised value
When do we use LTV vs LTC?
  • Purchase: Use lesser of LTV or LTC calculation
  • Refinance: Use LTC until property has seasoned for 90 days, then use LTV
Cash Flow Requirement
  • Fully Amortized Loan: Debt Service Coverage Ratio (DSRC) of 1.15x
  • Interest Only Loan: DSCR of 1.20x
Rehab/Construction Financing


Property Type

Non-Owner Occupied: Single family residences, 2-4 family units, Condos, Townhomes, and Multi-family properties 5 to 20 units

Loan Amount


Not sure if the Portfolio Rental Loan works for you? Use this checklist to see!

  • Do you have seven rent-producing doors, with a total portfolio value of $1,000,000?
  • Do each of your units have a value of at least $50,000?5
  • Are you a long-term investor?
  • If you answered yes to these questions, complete the fields below to get started with our Portfolio Loan!
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