Loan Overview
Rental Portfolio
Portfolio Loans Built to Support Long-Term Growth
Simplify your financing with one loan across multiple properties. Our rental portfolio loans offer long-term, scalable solutions for investors holding 5+ single-family, multifamily, or mixed-use rentals—ideal for refinancing or growing your portfolio efficiently.
Term
3 – 30 Years Term
Loan Amount
$300k to 5M
LTV
Up to 85% on Purchase and Refinance
Cost Breakdown
Up to 70% on Cashouts
Property Types
- Non-Owner Occupied
- Single Family Residential
- Condo 1–4 Units
- Townhome 1–4 Units
- ADU Conversions Okay
Our Lending Process
Streamlined Steps to Secure Fast Funding
At Equity Backers, we’ve designed our lending process to be efficient and straightforward. From your initial inquiry to securing funding, we focus on providing a seamless experience that minimizes delays and maximizes convenience. Our team works quickly to evaluate your needs, customize a loan solution, and get the capital you need as fast as possible. Whether you’re acquiring a property, refinancing, or funding a project, our process ensures you can move forward with confidence and speed.
Step One
Submit Your Loan Request
Begin by sharing key details about your real estate investment project. Our streamlined inquiry process gives you a fast, preliminary quote. You’ll then be connected with an experienced Account Executive to explore the best financing options tailored to your goals.
Step Two
Compile The Complete Loan File
Processing is the collection of all documents relevant to the deal. Ensuring your file is complete and properly qualified for underwriting—maximizing your leverage potential and keeping your loan on track.
Step Three
Analyze Deal Specifications
Our underwriting team reviews the complete loan file prepared during processing in order to qualify the deal for the investor. We carefully assess documentation and risks to structure terms that maximize leverage and accessibility.
Step Four
Close The Deal & Move Forward
Once the loan is mutually approved, we coordinate with all parties involved to ensure a smooth closing process. Funds are disbursed promptly, empowering you to start or continue your project on schedule with confidence and peace of mind.
Scalable Financing for Growing Rental Portfolios
Our Rental Portfolio loans are built for Real Estate Investors managing multiple income-producing properties. Whether you’re refinancing, acquiring, or consolidating assets, we offer flexible terms, competitive rates, and streamlined approvals to support long-term cash flow and expansion. Build stability and scale with financing that grows with your investment strategy.
Fast Real Estate Loan Pre-Approval
Equity Backers provides a detailed loan term sheet within 24 hours, giving you early insight into loan terms. This fast turnaround lets you move quickly and confidently, whether you're purchasing, rehabbing, or refinancing. We ensure you never wait on paperwork, helping you stay competitive in a fast-moving market.
Get Funded in 1 week
Our streamlined process helps you close in as little as 1 week after all documentation is submitted. Whether acquiring, refinancing, or repositioning assets, we ensure you get the capital you need quickly. With efficient underwriting and clear documentation, we eliminate delays so you can seize opportunities and outpace competitors.
Pay Over Time With 30 Year Terms
Our 30-year DSCR loans provide long-term stability and predictable payments, allowing you to hold investment properties without short-term refinance pressure. Enjoy consistent cash flow, flexible prepayment options, and competitive rates—ideal for maximizing rental income and building lasting wealth while keeping your portfolio agile.
No Ratio & No Credit Options Available
We offer flexible loan programs that don’t require DSCR calculations or traditional credit checks. Instead, approvals focus on property value and your investment strategy, making it easier for investors with unique income situations or credit challenges to secure funding.
Have Questions About Fix-and-Flip Loans? We Have Answers
Do I need prior landlord experience to qualify?
While experience helps, it’s not always required. We evaluate your full financial profile, including credit, assets, and property cash flow, to determine eligibility.
How many properties can I include in a rental portfolio loan?
We typically finance portfolios with 3 or more properties, with no maximum cap for qualified investors. The more units you own, the more scalable your financing options.
Can I refinance existing properties into a rental portfolio loan?
Yes. We offer refinance options to consolidate individual loans, improve cash flow, and simplify management with one monthly payment.
Are these loans based on my personal income?
No. Rental portfolio loans are often underwritten based on the cash flow of the properties using a DSCR (Debt Service Coverage Ratio) model—not your personal income.
What property types qualify for rental portfolio financing?
We finance a range of investment properties including single-family homes, 2–4 units, townhomes, condos, and small multifamily (up to 10 units per property).
Can I close in an LLC or business entity name?
Absolutely. We specialize in working with real estate investors and allow closings under LLCs or corporations to help protect your assets and streamline operations.