Investor Property Finance Loans
There's no cap on how many properties your portfolio can include — whether you own 1 rental or 3,000. Rental Home Financing provides investor property finance loans directly from a commercial lending platform, with fixed rate options for single-family houses, condos, apartments, and townhomes across most U.S. states.
No Property Limits
Finance 1 property or 3,000+. No caps on portfolio size — your loan capacity scales with your investment strategy.
Entity-Based Lending
All loans close in LLCs or corporations, providing proper legal separation between personal and investment assets.
$50K to $50M+
Loan amounts from $50,000 for a single rental up to $50 million+ for large portfolios. One lender for every stage of growth.
Unlimited Cash Out
Pull equity from existing properties to fund your next acquisition. No limits on cash-out refinance amounts up to 75% LTV (80% on rate-term).
How Does No-Limit Portfolio Financing Work?
Traditional banks cap you at 10 financed properties. Conventional guidelines weren't built for real estate investors running large portfolios. Our investor property finance loans remove that bottleneck entirely.
We underwrite based on the property's cash flow and appraised value — not your personal debt-to-income ratio. That means adding property #50 follows the same straightforward process as property #5. Each deal is evaluated on its own merits: rental income, location, condition, and borrower credit profile.
With over $5.5 billion under management since 2003, our lending partners have the capital depth to fund portfolios at any scale. Whether you're financing a single rental home or consolidating dozens of properties under a blanket loan, the underwriting stays consistent and the rates stay competitive.
Can You Get Fixed Rates on Investor Portfolio Loans?
Yes. We offer 5-year, 10-year, and 30-year fixed rate options — all with 30-year amortization. You pick the term that fits your hold strategy, and the rate locks for the full period. No surprises, no floating adjustments mid-term.
Fixed Rates for Investment Property
We also offer lines of credit for well-qualified sponsors and property managers looking to scale towards hundreds of rental and apartment properties.
From your first rental to your 3,000th — one lender, one platform, no property limits
Ready to Scale Your Portfolio?
No property limits, no tax return requirements, and fixed rates up to 30 years. Tell us about your portfolio and we'll structure a loan that fits.
What Property Types Qualify for Portfolio Financing?
Our investor property finance loans cover the four main residential rental categories: single-family houses, condominiums, apartments, and townhomes. Properties must be income-producing or ready to lease. We finance purchases, rate-and-term refinances, and cash-out refinances across most U.S. states.
If you're running a mixed portfolio — say 20 single-family homes and a 12-unit apartment building — we can structure financing across property types under one loan relationship. That's the advantage of working with a portfolio lender instead of routing each property through a separate bank.
Why Investors Choose Permanent Portfolio Financing
Short-term bridge loans and hard money get you into a deal fast, but they're expensive to hold. Balloon payments create forced refinance timelines that don't always align with market conditions. Permanent fixed-rate financing eliminates both problems.
With a 30-year amortization and a locked rate, your debt service stays predictable for the full term. That makes cash flow projections reliable, keeps your DSCR stable, and gives you the flexibility to hold through market cycles instead of being forced to sell or refi at the wrong time.
Not sure which program fits your portfolio? Our Loan Recommender matches your scenario to the right product in under 60 seconds.
Loan Program Highlights
- Loan amounts from $50,000 to $50,000,000+
- 5, 10, and 30-year fixed rate options with 30-year amortization
- Up to 80% LTV on purchases and rate-term refinances (75% cash-out)
- Full recourse lending with LLC and entity-based structures
- Unlimited cash-out refinance with no portfolio size caps
- Minimum 650 FICO — flexible prepayment options
Get a Quote on Your Portfolio
Whether you're financing your first rental or consolidating a 100-property portfolio, we'll structure a competitive fixed-rate loan that fits your strategy.