We don't really care about your personal tax returns. We understand that most landlords write off expenses and may demonstrate a small or even loss on business returns.
That's OK with us...we base our decisions on the LTV and conservative cash flow of the collateral, not your W2, and no proof of employment is required.
RentalHomeFinancing.com a Direct Portfolio Lender, provides competitive, fixed rate, financing for bulk single family homes and apartment buildings that are for rent.
Nationwide Footprint
We are offering permanent financing for investors with at least 1 rental property in most areas of the country with our innovative new programs geared toward the entrepreneur/investor. We also service foreign investors.
We will review the cash flow of the property and ensure they put you into a profitable position and will cover the annual debt service of >1.2x. Our products are commercial loans based upon the cash flow of the property, not you personally.
NEW – 30/30 Investment Loan Program
30 year fixed rates for 1 property at a time! Our 30/30 program is designed for rental investors who want to build their portfolio one property at a time with the stability of a long-term fixed rate and no balloon payment.
- 30 Year Fixed Rate – 30 Year Amortization
- NO Tax Returns Required
- NO 4506T Forms
- Funds Into Your LLC
- Declining Pre-Payment Penalty
- 75% Of As-Is Value
- Unlimited Cash Out
- $75,000 – $5,000,000+ Loan Size
- Competitive Rates
- 620 Minimum FICO
- Close As Fast As 2–3 Weeks
NEW – "2nd Generation" Securitization Blanket Loan
Before you sign and send thousands upfront of dollars away in hopes of obtaining a loan, give us a call to discuss your rental portfolio, goals, and opportunity. We OFTEN beat the overall structure of your current lender by offering more favorable loan docs, credit terms/conditions, and a much cleaner closing process. We guarantee it will not be a waste of time. Call us today...1-888-375-7977
Blanket Loan Highlights
Blanket Loan Terms
5 – 10 – 30 YEAR
- 5–10–30 Year Fixed Rates
- 30 Year Amortization
- Loan Sizes $300K to $30 Million+
- 70–75% LTV / LTC Max
- Competitive Rates
Borrower Benefits
FLEXIBLE TERMS
- No Seasoning For Value
- Purchase – Refinance – Cash Out
- Unlimited Cash Out
- Non-US Citizenship OK to 65%
- 620 Min FICO
Underwriting
ASSET-BASED
- Full Term I/O Available to 60–65%
- Property Min Value $50–75K (by MSA)
- Blanket Loan Lender
- Cash flow based qualification
Loan Doc Features – Truly Unique Program That Will Save You Thousands
Our blanket loan documentation is designed to be investor-friendly, eliminating many of the costly and burdensome requirements that other lenders impose. Here are the key advantages of our loan documents:
NO Yield Maintenance PPP (Pre-Payment-Penalties)
Pay off your loan early without the costly yield maintenance penalties that other lenders charge.
NO Monthly CAPEX Reserve Requirements
Keep more of your cash flow — no mandatory capital expenditure reserve escrows each month.
NO Long Bond Forms
Simplified loan documentation without the lengthy bond-style paperwork that slows down closings.
NO Fee Requirements For Lender's Attorney
You won't be billed for the lender's legal fees — a cost savings that adds up quickly on larger portfolios.
NO Post-Closing Liquid Reserve Requirements
No requirement to maintain liquid reserves after closing — deploy your capital how you see fit.
Recycle Existing LLC Is "OK"
No need to create a new entity — use your existing LLC structure for the blanket loan.
Compatible with Your Current Investment Profile
Our blanket loan programs are designed to work seamlessly with your existing investment structure. No need to restructure your holdings or create new entities just to qualify.
Use Your Existing LLC
No need to form a new LLC such as Delaware — use your existing one!
Sell or Release Properties
Ability to sell or release properties at any time without restrictions.
Your Title Company
Ability to use your title/escrow company — of course can use ours as well. Your choice!
Easier Underwriting
Far easier underwriting guideline model than the competition.
Fast Closing
Expeditious closing process and minimal closing costs.
Property Types Available for 2nd Generation Blanket Loans
Our blanket loan programs accommodate a variety of residential investment property types. Whether you hold single family homes, condos, townhomes, or multifamily properties, we have a solution for your portfolio.
Single Family Housing
2 property minimum for SFR blanket loans. Consolidate your single family rental portfolio under one mortgage.
SFRs, Condos, Townhomes
Groups of SFRs, condos, and townhomes can all be combined under a single blanket loan for streamlined management.
Multifamily
Searching for stated multifamily financing? We offer apartment building loans as well.
Ready to Get Started?
Whether you need a 30/30 single property loan or a blanket loan for your entire portfolio, we have the program to match your investment strategy. Our competitive rates, flexible terms, and streamlined process make it easy to grow your rental property empire.
Call us today at 1-888-375-7977 for a free phone consultation, or apply now to start the process.