Residential Investment Property Financing
Rental and Investment Property Loans for Real Estate Investors
Residential Investment Property Loans & Lending Program Details
Residential investment property financing funds one- to four-family rental homes owned by investors, where the primary source of repayment is rental income rather than the owner living in the property.
When it comes to getting an investment loan, there is no such thing as one size fits all. CFP’s unique lender network allows us to evaluate all possible solutions and tailor the best financing that meets our client’s financial needs and best fits their investment parameters.
Our investment mortgage programs are specifically designed for independent real estate investors and small business owners who often don’t qualify for traditional bank loans. Full doc and income stated programs available.
We offer multiple financing programs for acquisition, refinance, and cash out against single-family & multifamily properties, including 1 to 5-unit townhomes, SFR, 5+ unit apartment buildings, and residential portfolio loans.
Residential Investment Property Loans (1 to 4 Units)
Single Rental Property Loan (Single-family, 2-4 units, Condos, Townhomes)
Residential Investment Property Loan Details:
- Minimum Loan amount $250,000 up to $5,000,000
- LTV – Up to 80%
- Rates – 6% to 12%
- Term – 30 year
- Minimum Credit Score – 620
- Foreign nationals – OK
Residential Portfolio Loans
5+ single-family or 2 to 10-unit multi-family properties
We offer several rental portfolio loan programs that provide our clients with access to long-term financing at a fixed rate. You can use these loans to unlock the existing equity, consolidate other debt, or purchase new rental properties.
Rental Portfolio Loans gives you access to long term financing at affordable and flexible rates.
- Loan amount – $500,000 to $100,000,000
- Up to 75% LTV
- Rates – 6% to 12%
- Term – 5,7,10 year terms
- Minimum Credit Score – 650
- Minimum Property Value – $50,000 per unit
- Minimum DSCR – 1.2x
How Investment Property Financing Works
Because the loan is repaid mainly from rent, investor-owned residential real estate typically carries risk characteristics more similar to commercial real estate than to an owner-occupied home loan, and the borrower’s personal income may support repayment. Lenders therefore look at the property’s debt-service coverage ratio (DSCR) — its cash flow or net operating income divided by the debt service — as well as the borrower.
Commercial Finance Partners offers two structures. A single rental property loan (single-family, 2–4 units, condos and townhomes) runs from $250,000 up to $5,000,000 with up to 80% LTV, a 30-year term and a minimum credit score of 620; foreign nationals are eligible. Rental portfolio loans for five or more single-family homes or 2- to 10-unit properties run from $500,000 to $100,000,000 with up to 75% LTV, 5-, 7- and 10-year terms, a minimum credit score of 650 and a minimum DSCR of 1.2x. Full doc and income stated programs are available.
For apartment buildings with five or more units, see multifamily property loans; for office, retail and industrial investments, see non-owner occupied commercial loans. Browse all commercial real estate loans.
Residential Investment Property Financing FAQs
What is residential investment property financing?
Residential investment property financing funds one- to four-family rental homes owned by investors, where the primary source of repayment is rental income rather than the owner living in the property. Commercial Finance Partners arranges financing to acquire, refinance or take cash out of single-family and multifamily rental properties, including programs for investors who often don’t qualify for traditional bank loans.
What are the requirements for an investment property loan?
For our single rental property loan, loan amounts run from $250,000 up to $5,000,000 with up to 80% LTV, a 30-year term and a minimum credit score of 620. Foreign nationals are eligible, and both full doc and income stated programs are available.
What is a rental portfolio loan?
A rental portfolio loan finances several rental properties together — five or more single-family homes or 2- to 10-unit properties. Our portfolio loans run from $500,000 to $100,000,000 with up to 75% LTV and 5-, 7- or 10-year terms, and can unlock equity, consolidate other debt or purchase new rental properties.
What DSCR is required for a rental portfolio loan?
Our rental portfolio loans require a minimum DSCR of 1.2x, a minimum credit score of 650 and a minimum property value of $50,000 per unit. DSCR is the property’s cash flow or net operating income divided by its debt service.
Why Work with Commercial Finance Partners?
- Leverage Existing Assets
- Increased Working Capital
- Creative Deal Structure
- Alternative to Equity
- Growth Focused
Our Services Categories
Accounts Receivable Finance
Focused on Staffing, Manufacturing, Medical, Transportation & Construction Industries
Business Loans
Financing Consulting-Based Services like Asset-Based Lending, USDA, Real Estate & SBA Loans
Debt Capital Advisory
Debt Capital Advisory Service for Complex Financing to Middle-Market Customers
Insurance Services & Strategies
Business Related Insurance Services for Business Owner & High Net-Worth Individuals