DSCR Rental Portfolio Loans

Multiple properties.
Just one loan.

Finance your rental portfolio with ease. Whether you own as few as 2 properties or dozens, our rental portfolio loans offer flexible terms and streamlined approvals. Manage multiple 1-4 unit residential rentals under one loan to simplify your financing, improve cash flow, and focus on growing your investment portfolio with confidence. Use this blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties

  • Ideal for Financing multiple rental properties under one loan.

  • 1 - 4 Units

  • Loan Amounts from $50K to $5M

  • Minimum FICO 680

  • Full Recourse

Terms

Term
30-Year term, Fixed Rate Mortgage (Fully Amortizing)

5/6, 7/6, 10/6 Hybrid ARMs (Partial Interest-only or Fully Amortizing)

Lease Requirements

Minimum Occupancy Rate of 90% by Unit Count

Leased Units: Lower of (1) In-Place Rent & (2) Market Rent

Construction Financing
Up to 100% of rehab budget

Maximum Loan-to-Value (LTV)
Up to 80% on purchase and refi.

Up to 75% on cash-out

Foreign Nationals

Eligible at maximum 70% LTV

Loan Amount
Up to $10M
Minimum Property Value: $100K

Borrower Type

Entity required

Interest Rate

Contact us for a quote

Property Types

Non-Owner Occupied:
Single Family Residences (SFR)

2-4 unit properties

Townhomes

Warrantable Condos
Planned Unit Development (PUD)

Rural Properties

Case-by-case

Vacancy Maximum

Min. 90% occupancy rate by unit count

Minimum Debt Service Coverage Ratio
(Net Cash Flow/Debt Service)

1.00x

Seasoning Requirement
(To use value vs. Cost basis)

180 days

Property Restrictions

Short-Term Rentals (STRs) case-by-case

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