Rental Portfolio Loan

Do you want to purchase or refinance multiple investment rental properties? Partner with CIVIC for a long-term solution to consolidate your rental properties and generate cash flow.

Key Facts About Our Rental Portfolio Loan

Rental Portfolio Loan
LOAN PURPOSE
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
BORROWER TYPE
Entity required
PROPERTY RESTRICTIONS
No vacation or seasonal rentals
TERM
30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
INTEREST RATE
Call for quote
MINIMUM FICO
660 (for portfolios at or under $2MM and 10 properties)
All other portfolios: 680
MAXIMUM LOAN-TO-VALUE (LTV)
Up to 80% on purchase and refi. Up to 75% on cash-out
MINIMUM LOAN AMOUNT
$250K - $50MM
VACANCY MINIMUM
Min. 90% occupancy rate by unit count
SEASONING REQUIREMENT (TO USE VALUE VS. COST BASIS)
180 days
RURAL PROPERTIES
Not permitted
FOREIGN NATIONALS
Eligible at maximum 65% LTV
PROPERTY TYPE
Non-Owner Occupied:
- Single Family Residences (SFR)
- 2-4 unit properties
- 5-8 unit multifamily
- Warrantable condos
- Townhomes
- PUD
Over $8 Billion in loans for Real Estate Investors
CIVIC Rental Property program provides a practical solution for obtaining the long-term financing you require. Our primary goal is to support you throughout the process, which is why we provide adaptable term lengths and funding choices to ensure your progress remains unhindered.

Why Choose a Rental Portfolio Loan?

  • We treat your rental properties like your own small business, and we underwrite to the cash flow they will produce, not your personal income.
  • Portfolio loans allow you to consolidate multiple rental properties into one convenient loan, so you’re not juggling monthly payments on each individual property.
  • We offer several different options for loan terms, rate and pre-payment, so you can choose what’s best for your specific needs.

BEGIN TODAY BY TAKING ADVANTAGE OF A Rental Portfolio Loan