Residential Portfolio Loans
Our Residential Portfolio Loans are designed to help rental property investors purchase and refinance 5 or more properties with a single loan, unlock equity, and get cash out of their existing rental investments. This loan is designed to consolidate multiple rental property mortgages into a single loan so you can continue to grow your portfolio. Minimum two properties per loan for Express product financing.

GET STARTED
(857) 529-8555
Got 3 minutes? Request a custom quote today!
Provide some basic information about the property and the financing you’re seeking and through our proprietary lending platform ICSCRE we’ll provide you with the most competitive quotes available.
It’s really that simple.
Private. Confidential. Secure. We never sell or provide your personal information or email address to unrelated third parties.
NOT READY TO GET A QUOTE TODAY?
Schedule a quick call to discuss your loan scenario!

GET STARTED
(857) 529-8555
PURPOSE
Non-Conforming FLEX and Conforming Portfolio Loans are recommended for borrowers intending to hold a portfolio of 5 or more properties for 5 or more years before selling or refinancing. This is a single loan collateralized across multiple residential 1-4 unit and/or multifamily 5+ unit properties. Income producing properties must be performing at a DSCR of 1.0x or more. Minimum two properties per loan for Express product financing.
RECOURSE
Recourse and Non-Recourse options available.
PREPAYMENT PENALTY
All Residential Portfolio Loans have a prepayment penalty, usually through the first 5-years of the loan. Step-down and yield maintenance prepayment options are available.
LOAN LIMITS
Residential Portfolio Loans are available for 1st mortgages starting at $500k.
CLOSING
45 to 60 Days
RESERVES
6 to 9-months mortgage reserves are required.
NET WORTH
A strong schedule of real estate owned is important but not required.
LOAN TERMS & AMORTIZATION
1-4 Unit & Multifamily Portfolios: 5 to 30-year fixed terms. 15 and 30-year amortization.
FULL-TERM, BALLOON, AND HYBRID
Loans can be structured as full-term, balloon, and hybrid. Full-term loans amortize over the life of the loan, and are paid in full upon loan maturity. Balloon mortgages are fixed-rate loans with a balloon payment due at the end of the initial term. Hybrid loans have a fixed-rate for the initial fixed term, then adjust annually or semi-annually through the remaining loan term. For example, a 5-year fixed hybrid mortgage is fixed for the initial 5-years, then adjusts annually or semiannually through the remaining 30-years. A 5-year fixed balloon mortgage is fixed for the initial 5-years, with the loan balance due in full at the end of the 5-year period. A 30-year fixed mortgage is fixed for the entire 30-years, paid in full at loan maturity.
Full-Term: Higher rate providing the most security. Loan is fixed for the entire loan term.
Balloon: Lower rate than a full-term loan. Property must be refinanced or sold by the end of the term.
Hybrid: Lower rate than a full-term loan. Borrower has the benefit of a low fixed-rate loan during the initial term, can ride the adjusting rate after the initial fixed-term through loan maturity, or sell/refinance.
CREDIT SCORE REQUIREMENTS
640+
OPERATING INCOME – SEASONING
Approval and interest rates are primarily based upon the net operating income of the property and LTV. The property must show it has been operating at a net operating income over the last 3-months to support the DSCR at the proposed market interest rate.
DOCUMENT REQUIREMENTS
- FULL or LITE-DOC UNDERWRITING
- Rent Roll
- P&L / Last 12 to 24-months
- Borrower 1003 or Personal Financial Statement
- Schedule Real Estate Owned
- Bank Statement(s) Verifying Down Payment/Reserves
- Minimum 3 Quality Property Photos
- No tax return options available
Key Portfolio Rental Loan Product Facts:
- Commercial loan underwritten on property cash flow
- No personal income verification
- Looking to Refinance an existing Portfolio loan?
- No limit to the number of properties that can be financed
- Designed for buy-and-hold investors

GET STARTED
(857) 529-8555
Standard Portfolio Rental Loans | |
---|---|
Loan Purpose | Purchase or refinance a portfolio of rental properties Refinance and acquire properties under the same transaction |
Borrower Type | Entity (Special Purpose Entity) Must be a Newly Formed LLC only, unless LLC was used exclusively for a previous loan transaction |
Equity Pledge | Pledge of Equity from the owner is required |
Interest Rate | Call for quote |
Term | 5-, 7-, or 10-year with balloon due at end of term |
Amortization | Full amortization up to 30 years, with interest-only option available |
Minimum FICO | 660 (all Guarantors) |
Maximum Loan-to-Value (LTV) | Up to 75% on purchase, limited cash-out refi, and cash-out refi3 |
Loan Amount | $500K – $10MM |
Property or Unit Acquisition Minimum | 5 units per loan |
Experience | No first-time homebuyers |
Foreign Nationals | Not allowed from ineligible country list LTV is limited to 65% |
Property Type | Non-Owner Occupied: Single Family Residences (SFR) 2-4 unit residences Condominiums: warrantable and non-warrantable (with reduced leverage) Townhomes Planned Urban Developments (PUD) Multi-family, 5-20 units |
Express Portfolio Rental Loans | |
---|---|
Loan Purpose | Purchase or refinance a portfolio of rental properties Refinance and acquire properties under the same transaction |
Borrower Type | Entity (Single Purpose Entity, existing or newly formed) |
Equity Pledge | No Equity Pledge required |
Interest Rate | Call for quote |
Term | 30-year fixed |
Amortization | Full amortization |
Minimum FICO | 640 (all Guarantors) |
Maximum Loan-to-Value (LTV) | Up to 80% on purchase / limited cash-out refi, and 75% on cash-out refi |
Loan Amount | $200K – $5MM ($100K minimum property value) |
Property or Unit Acquisition Minimum | 2 units per loan |
Experience | No first-time homebuyers |
Foreign Nationals | Not allowed from ineligible country list LTV is limited to 70% on purchase/limited cash-out and 65% on cash-out |
Property Type | Non-Owner Occupied: Single Family Residences (SFR) 2-4 unit residences Warrantable condos Non-warrantable condos (max 65% LTV) Townhomes Planned Urban Developments (PUD) Multi-family, 5-8 units |

GET STARTED
(857) 529-8555
Got 3 minutes? Request a custom quote today!
Provide some basic information about the property and the financing you’re seeking and through our proprietary lending platform ICSCRE we’ll provide you with the most competitive quotes available.
It’s really that simple.
Private. Confidential. Secure. We never sell or provide your personal information or email address to unrelated third parties.
NOT READY TO GET A QUOTE TODAY?
Schedule a quick call to discuss your loan scenario!
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