Rates from 7%Rental portfolio loans for real estate investors
One loan for several rentals.
All about our rental portfolio loans
- Programs based on the portfolio's potential cash flow
- No personal income or tax return verification
- Refinance your existing portfolio
- Combine multiple properties at once
- Choose a 30-year fixed loan or a 5, 7, or 10-year term
How a rental portfolio loan can work for you
- Evaluate and leverage several rental properties at once.
- Free up equity, bundle properties, and plan your next purchases.
Rental Portfolio Loan program details
| Quick portfolio rental loan | Portfolio rental loan | |
|---|---|---|
| Loan purpose | Start or refinance a rental portfolio; combine existing properties | Start or refinance a rental portfolio; combine existing properties |
| Borrower | Existing or newly formed LLC | Newly formed LLC only |
| Equity pledge | Not required | Required |
| Interest rate | As low as 7% | As low as 7% |
| Term | 30-year fixed | 5, 7, or 10-year term |
| Amortization | Full amortization | Up to 30 years, with interest-only option |
| Minimum credit score | 640 | 660 |
| Maximum loan-to-value | 80% on purchase and limited cash-out; 75% on complete cash-out | 75% on purchase, limited cash-out, and complete cash-out |
| Loan amount | $300K to $10MM | $500K to $10MM |
| Minimum per loan | 2 units | 5 units |
| Experience | Not available to first-time homebuyers | Not available to first-time homebuyers |
| Foreign nationals | Select countries; 70% LTV on purchase and limited cash-out, 65% on complete cash-out | Select countries; 65% LTV maximum |
| Property types | Single-family, 2–4 units, 5–8 units, condos (warrantable and non-warrantable), townhomes, PUDs | Single-family, 2–4 units, 5–20 units, condos (warrantable and non-warrantable), townhomes, PUDs |
How it works
- Request a quote.Tell us about the property, your plan, and the loan amount you need. It takes a few minutes.
- Compare offers.We shop the deal across private lenders, family offices, and commercial capital sources and bring you up to three offers.
- Close and fund.We coordinate documents, valuation, and title with the lender you choose through closing.
Questions about rental portfolio loans
What credit score do I need?
Programs typically start at a 640 FICO score.
Can foreign nationals qualify?
Yes, borrowers from select countries can qualify, with a maximum of 70% loan-to-value.
Does B-Line Capital lend directly?
No. B-Line Capital is a private money broker. It compares offers from multiple private lenders, family offices, and commercial capital sources so you can choose the best rate and terms.
What fees are involved?
B-Line Capital's broker fee typically ranges from 0.5 to 2 points depending on deal size and complexity. Fees are disclosed on your closing statement and are not charged until your loan funds.
Find out what B-Line can do for you
Compare offersFrom up to 3 lendersGet a quote for a loan program that’s tailored to your needs
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Written and reviewed by Michael Schatz, Founder & Chief Lending Strategist of B-Line Capital
Michael Schatz 
Founder & Chief Lending Strategist, B-Line Capital
Michael Schatz leads B-Line Capital, a private money brokerage that helps real estate investors, builders, and developers finance rental, bridge, fix & flip, construction, and commercial bridge loans by comparing offers from private lenders, family offices, and commercial capital sources.
His expertise includes private money lending, hard money loans, DSCR lending, bridge and construction financing, commercial real estate debt placement, structured data strategy, and AI visibility optimization for modern search and answer engines.
Areas of expertise:
- Private Money Lending
- Hard Money Loans
- Rental Property Loans
- DSCR Loans
- Investment Property Loans
- Bridge Loans
- Fix & Flip Loans
- Construction Loans
- Commercial Bridge Loans
- Debt Placement & Capital Structuring
- Structured Data Strategy
- AI Visibility Optimization