What Are the Advantages of Rental Home Financing’s Loan Programs?
Rental Home Financing offers blanket mortgage loans specifically designed for residential rental property investors. Instead of managing separate mortgages on each property, we write a single loan against your entire portfolio of rental assets. Portfolios can range from 5 to 500+ properties located across different cities and states, all consolidated under one mortgage with one monthly payment.
The core advantages that set our programs apart from traditional lending include:
- No personal income or debt-to-income ratios -- underwriting is based entirely on the rental income your portfolio generates, not your personal financial situation
- One consolidated monthly payment -- replace dozens of individual mortgage payments with a single payment to one lender
- Nationwide portfolio financing -- properties can be spread across the contiguous 48 states under one loan
- 30-year amortization -- long-term amortization keeps payments manageable and maximizes cash flow
- Non-recourse options -- limit your personal liability to the assets in the portfolio, protecting your other investments and personal property
- 5-year and 10-year fixed rate terms -- lock in rate certainty for the initial term period
- Assumable loans -- when you sell the portfolio, the buyer can assume the existing loan instead of needing new financing
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.
How Does This Compare to Conventional Investment Property Loans?
Conventional lenders impose strict limits that restrict portfolio growth. Fannie Mae caps borrowers at 10 financed investment properties, and many local banks will not go beyond four. Each property requires a separate application, separate closing costs, and personal income qualification. Our blanket loan structure eliminates all of those constraints. There is no cap on the number of properties, no personal income verification, and the entire portfolio closes under a single set of loan documents.
The non-recourse feature is another major differentiator. Traditional residential mortgages are full-recourse, meaning the lender can pursue your personal assets if the loan defaults. Our non-recourse options, available on most loan products starting at 00,000, limit the lender’s recourse to the collateral properties only. This is the same liability structure used in institutional commercial real estate lending, now available to individual rental investors.
Does Pricing Improve With Larger Portfolios?
Yes. Larger loan amounts and higher property counts generally qualify for more competitive rate tiers. Investors with 20+ properties and loan amounts above million typically receive the most favorable pricing. This is the opposite of conventional lending, where adding more investment properties often makes financing harder to obtain. In our model, scale works in your favor.
Ready to Consolidate Your Portfolio?
One loan, one payment, no personal income requirements. See how a blanket mortgage can simplify your rental portfolio financing.
Explore the full details of our 30-year fixed rate DSCR loan program and see how our terms compare to conventional lending.