Rental Portfolio Loan
A full suite of products for all rental property financing needs
RATES STARTING AT 5.39%*
Do you want to purchase or refinance multiple investment rental properties? Partner with Flip Fuel Lending for a long-term solution to consolidate your rental properties and generate cash flow.
Key Facts About Our Rental Portfolio Loan
DSCR blanket loan with no W2s, paystubs, or tax returns required
Minimum 680 FICO
Single Family Rental (SFR), warrantable condos, townhomes, PUD, 2-4 units
Foreign Nationals allowed
Amortization and Rate Options
Fixed and Adjustable rate options in addition to partial interest only and fully amortizing options
Lease Requirements
Minimum occupancy rate of 90% by unit count
Leased Units: Lower of (i) In-place rent & (ii) Market rent
Unleased Units: 90% of market rent
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Loan Purpose
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
Minimum FICO
680
Borrower Type
Entity required
Property Type
Non-Owner Occupied:
Single family residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Minimum Debt Service Coverage Ratio (net cash flow/debt service)
1.05x
Vacancy Minimum
Min. 90% occupancy rate by unit count
Rural Properties
Not permitted
Foreign Nationals
Eligible at maximum 65% LTV
Loan Amount
Minimum Property Value: $72K
Maximum Loan Amount: $2MM
Property Restrictions
No vacation or seasonal rentals
Maximum Loan-To-Value (LTV)
Up to 80% on purchase and rate/term refi. Up to 75% on cash-out
Seasoning Requirement (to use value vs. cost basis)
90 days
Over $8 Billion in loans for Real Estate Investors
Why Choose a Rental Portfolio Loan?
- We treat your rental properties like your own small business, and we underwrite to the cash flow they will produce, not your personal income.
- Portfolio loans allow you to consolidate multiple rental properties into one convenient loan, so you’re not juggling monthly payments on each individual property.
- We offer several different options for loan terms, rate and pre-payment, so you can choose what’s best for your specific needs.
We have the product to meet your needs.
*Rates advertised are the lowest offered. Actual rates and offers may vary based on approval criteria, including but not limited to borrower FICO score, previous experience, period of ownership, etc.