How Much Can I Borrow on an Investment Property Portfolio Loan?
There is no fixed maximum loan amount. Rental Home Financing provides blanket mortgage loans ranging from $500,000 to $50 million, with the actual loan amount determined by the value and cash flow of your rental portfolio. Our underwriting team conducts a thorough analysis of both the collateral and the income the properties generate to arrive at your maximum borrowing capacity.
Get Your Custom Loan Quote
No application fees, no tax returns required. Most loans close in 2-4 weeks with competitive rates based on your portfolio.
$500K to $50M
Loan amounts are determined by portfolio value and cash flow.
80% Maximum LTV
Borrow up to 80% of the appraised value of your entire rental portfolio (75% on cash-out refinance).
.75x Minimum DSCR
Gross rental income must be at least 1.0 times the total PITIA payment.
Better Terms at Scale
Larger portfolios receive favorable pricing due to diversification benefits.
No cap on portfolio size -- larger portfolios often receive better pricing from diversification
What Determines Your Loan Amount?
Two primary metrics drive how much you can borrow:
- Loan-to-Value (LTV) -- up to 80% of the appraised value of the portfolio
- Debt Service Coverage Ratio (DSCR) -- minimum .75x, meaning the portfolio's gross rental income must be at least .75 times the total PITIA payment
Your actual loan amount will be the lower of the two calculations. For example, if 80% of your portfolio's appraised value is $3 million but the cash flow only supports $2.5 million in debt at the required DSCR, your maximum loan would be $2.5 million.
What Loan Terms Are Available?
Our portfolio lending programs offer flexible structuring across a range of terms:
- 30-year amortization -- keeps monthly payments low by spreading principal repayment over three decades
- 5-year fixed rate term -- locks your interest rate for five years
- 10-year fixed rate term -- longer rate certainty for investors who want predictable payments
- 5-year floating rate term -- available for borrowers who prefer variable rate exposure
- Entity-based lending -- all loans close in LLCs or corporations for proper asset separation
Larger portfolios often receive better pricing. As the number of cash-flowing properties increases, the diversification benefit reduces risk to the lender, which can translate into more favorable terms for you. There is no cap on the number of properties that can be included in a single blanket loan.
Maximum Borrowing Factors
- Loan amount based on the lower of 80% LTV or DSCR-supported capacity
- 30-year amortization keeps monthly payments manageable
- 5-year and 10-year fixed rate terms available
- Entity-based lending in LLCs and corporations for asset protection
- No cap on the number of properties in a single blanket loan
Get Your Maximum Borrowing Capacity
Submit your portfolio details and our underwriting team will calculate exactly how much you qualify for based on property values and rental income.
See the full details of our 30-year fixed rate DSCR loan program and how it can maximize your borrowing power.