New Loan Opportunities for Rental Property Investments Beyond Conventional Limits

Traditional banks were never built for rental property investors. Conventional lending caps, personal income requirements, and restrictive underwriting have kept too many investors on the sidelines. Rental Home Financing was built to solve that problem -- investor-focused programs for income-producing properties from single-family rentals to large multifamily portfolios. No W-2s, no tax returns, no arbitrary property limits.

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How Do Blanket Loans Work for Portfolio Investors?

A blanket mortgage covers 5 or more properties under a single loan with one monthly payment, reducing per-property closing costs and simplifying administration. Available in 30-year fixed, 5/30, and 10/30 structures at up to 80% LTV for purchases. Unlike Fannie Mae conventional mortgages capped at 10 properties, blanket loans have no property count limit. Entity-based lending through your LLC provides asset protection.

If you own multiple rental properties -- or plan to -- a blanket loan is one of the most efficient financing tools available. It covers multiple properties under a single mortgage, simplifying payments, reducing closing costs, and giving you greater leverage to acquire additional properties.

When institutional investors acquired thousands of homes and converted them into rental portfolios, it created a secondary market for portfolio-based lending. That infrastructure now benefits individual investors who want to finance their holdings the same way large funds do.

30-Year Fixed Rate Blanket Loan. The gold standard for long-term predictability. Fully fixed rate, 30-year amortization, payments stay constant for the life of the loan. Available at 80% of as-is value for purchases and rate-term refinances (75% for cash-out) with unlimited cash-out potential. Works for acquisitions, refinances, and portfolio consolidation. No U.S. citizenship requirement.

5/30 and 10/30 Adjustable Rate Blanket Loans. Lower initial rates in exchange for a future adjustment, with 30-year amortization. These start below the fully fixed option, making them ideal if you plan to add properties, refinance, or sell within the initial fixed period.

From single-family rentals to large multifamily portfolios -- financing built for investors, not homeowners.

Single Property Investor Loans

Not every investor needs or wants to finance multiple properties at once. If you're building one acquisition at a time, our Single Property Investor Loan is designed for that approach.

Purchase, refinance, or cash out individual rental properties -- single-family homes, condos, townhomes, and small multifamily units -- with a streamlined process. No personal income DTI calculations, no tax forms, no W-2s. The underwriting focuses on the property and its income potential. Application to closing typically runs 2 to 4 weeks with competitive rates.

Entity-Based Financing for Your LLC

Conventional lenders won't lend to LLCs. Period. That leaves investors who've structured their holdings properly for liability protection stuck dealing with personal guarantees or searching for alternatives.

Our entity-based lending programs solve this directly. All loans close in the name of your LLC or corporation, creating a clean legal separation between your personal assets and your investment holdings. This is the structure sophisticated investors use for asset protection while continuing to grow their portfolios.

Available at up to 80% LTV with no limit on properties financed, our LLC lending programs also accommodate self-employed investors with complex tax situations. The DSCR requirement is straightforward: typically between .75x and 1.2x.

What About Stated Income Investor Loans?

Some investors don't fit the standard DSCR underwriting box. Self-employed investors, those with complex tax structures, or investors with properties in transition may need a more flexible qualification path. That's what our stated income investor loan program provides.

Stated income lending for commercial investors means fast approval and streamlined closing. No personal tax return requirements, no W-2s, and partner buyouts are welcome. We underwrite based on verified lease income, cash flow, and LTV -- not the personal income of the sponsor.

Which Loan Program Is Right for You?

The right program depends on where you are in your investment journey. Acquiring your first rental property? The Single Property Loan offers the simplest path. Managing a growing portfolio of five or more properties? A blanket loan can consolidate your debt and free up equity. Operating through an LLC and need asset protection? Entity-based lending keeps your personal assets legally separated from your investment holdings.

We work with investors at every stage, from first-time buyers to operators managing hundreds of units. Our 30-year fixed rate DSCR program and no-ratio DSCR options provide even more flexibility depending on your deal structure.