Rental Portfolios

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Experience Easy Rental Portfolio Solutions with Investors Capital Source

Types of Properties We Fund

Single Family 1-4 Units

Industrial

Multifamily

Self - Storage

Office

Mixed Use

Retail

Land

Rental Portfolios Terms

Term

Available Terms: 30-Year Fixed Rate Mortgage (Fully Amortizing), and 5/6, 7/6, 10/6 Hybrid Adjustable-Rate Mortgages (Options for Partial Interest-Only or Fully Amortizing)

Lease Requirements

Requirement: Minimum 90% Occupancy Rate by Unit Count. For Leased Units: The Lesser of (i) In-Place Rent or (ii) Market Rent. For Un-leased Units: 90% of Market Rent (Applicable Only to Purchase Loans).

Recourse

Non-Recourse Financing with 'Bad-Boy' Carve-Outs and Required Equity Pledge from the Borrowing Entity

Loan Purpose

Blanket Loan Available for Purchase, Rate-Term Refinance, or Cash-Out of a Rental Property Portfolio

Minimum Fico

For Portfolios at or Under $2MM and Up to 10 Properties: Minimum FICO Score of 660. For All Other Portfolios: Minimum Score of 680.

Borrower Type

Entity Required

Interest Rate

Call for quote

Property Type

Non-Owner Occupied:
Single Family Residences (SFR)
2-4 unit properties
5-8 unit multifamily
Warrantable condos
Townhomes
PUD

For Non-Owner Occupied Properties:
Includes Single Family Residences (SFR)
2-4 Unit Properties
5-8 Unit Multifamily Buildings
Warrantable Condos
Townhomes
Planned Unit Developments (PUDs).

Minimum debt service coverage ratio (net cash flow/debt service)

For Portfolios ≤ $2MM AND ≤ 10 Properties: 1.10x Debt Service Coverage Ratio (Gross Rent/PITIA). For All Other Portfolios: 1.20x (Net Cash Flow/Debt Service).

Vacancy Minimum

Min. 90% occupancy rate by unit count

Rural Properties

Not permitted

Foreign Nationals

Eligible at maximum 65% LTV

Minimum Loan Amount

$250K - $50MM

Property Restrictions

No vacation or seasonal rentals

Maximum Loan-To-Value (LTV)

Up to 80% on purchase and refi. Up to 75% on cash-out

Seasoning Requirement (To Use Value Vs. Cost Basis)

180 days

Partnering with Investors Capital Source is Effortless - Just Follow Steps 1, 2, 3

Submit Application Online

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Loan Approval

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We Fund Your Deals

Our relationship managers will fund your delas quickly!

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Loan Types

"Investors Capital Source was a lifesaver! They offered me a private money loan with incredible terms that I couldn't find anywhere else. The process was easy, quick, and hassle-free. I was blown away by how smooth everything went!"

Ethan Clark

Real Estate Investor

"From the great loan terms to the speedy and easy process, Investors Capital Source has won me over. I've found my funding partner for life and can't wait to work with them on my next real estate venture. They're the real deal in every sense!"

Brian Martinez

Real Estate Investor

"I was struggling with another lender, facing endless red tape and delays. Then I found Investors Capital Source, and what a difference! They offered me great terms, and the process was both easy and quick. They really came through when I needed it, and they'll definitely be my first call for future projects!"

Sarah Nguyen

Real Estate Investor

"Big thanks to Investors Capital Source! They listened and delivered exactly the loan I needed. They were on my side the whole time, making everything feel so easy. Their support made a huge difference in my latest deals!"

Kevin Patel

Real Estate Investor

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Benefits of Working With Us

Tailored Loan Solutions

Speed and Efficiency

Competitive Rates

Less Stringent Qualifications

Range of Products

Reputation and Reliability