Rental portfolio loans[1] assist those who manage multiple rental properties.
We can help you make the most of what you already have plus what you want to add to your portfolio.
The name of the game is growth.

All About Our Rental Portfolio Loans

  • Our programs are based on your potential cash flow [1]
  • No personal income or tax verification needed [1]
  • We can refinance your existing portfolio
  • We can work with multiple properties at once [9]
  • This option is great for investors who want time

Rental Portfolio Loans

Rental Portfolio Loans Quick Portfolio Rental Loans
LOAN PURPOSE
  • Begin or refinance a portfolio of rental property loans
  • Assess and combine existing properties
  • Begin or refinance a portfolio of rental property loans
  • Assess and combine existing properties
BORROWER Newly formed LLC entities only Existing or newly formed LLC entities
EQUITY PLEDGE Required Not required
INTEREST RATE[1] Rates as low as 7% Rates as low as 7%
TERM 5, 7 or 10-year term 30-year fixed term
AMORTIZATION Full amortization up to 30 years, with interest-only option Full amortization
MIMIMUM CREDIT SCORE 660 640
MAXIMUM LOAN-TO-VALUE (LTV) [4] 75% on purchase, limited cash-out refinance, complete cash-out refinance[3] 80% on purchase, limited cash-out refinance, and 75% on complete cash-out refinance[3]
LOAN AMOUNT $500K-$10MM $300K-$10MM
ACQUISITION MINIMUM 5 units per loan 2 units per loan
EXPERIENCE No first-time homebuyers No first-time homebuyers
FOREIGN NATIONALS
  • Based on select countries list
  • LTV max is 65%
  • Based on select countries list
  • LTV max is 70% on purchase and limited cash-out, 65% on complete cash-out
PROPERTY TYPES
  • Single-family homes
  • Residences with 2 to 4 units
  • Multi-unit properties, 5 to 20 units
  • Condos, warrantable and non-warrantable
  • Townhomes
  • Planned Urban Developments
  • Single-family homes
  • Residences with 2 to 4 units
  • Multi-unit properties, 5 to 8 units
  • Condos, warrantable and non-warrantable
  • Townhomes
  • Planned Urban Developments

How a Rental Portfolio Loan
Can Work for You

  • Evaluate and leverage multiple rental properties at once.
  • Find new ways to free up equity, bundle properties, and plan for future investments.
  • We will thoughtfully advise and lead you through the entire process, answering all the questions you have along the way.

Find out what Penstock can do for you

Compare offers
From up to 3 lenders
Request a quote
Use our rental loan calculator to get an instant quote on a loan that’s tailored to your needs
Get a quote