Investor Loans

Rental Portfolio Loans

One blanket loan for your entire rental portfolio.

At a Glance

Funding Amount $500,000 - $50,000,000+

Term 3, 5, 7, 10 or 30-Year options

Overview

The Angel Funding Advantage

Instead of juggling dozens of loans, payments, and maturity dates, you get one loan, one payment, and one lender relationship.

Like our single-property DSCR loans, qualification is based on the portfolio's rental income — not your personal income.

5+ properties, one loan
Fixed & adjustable options
No personal income verification

The Process

How It Works

A streamlined, transparent process designed to get capital into your hands.

Portfolio Review

Submit your property list with rents, values, and existing debt. We analyze the portfolio's combined cash flow and equity.

Blanket Structuring

Our advisors handle this step for you and keep you informed at every stage.

Valuation & Underwriting

Appraisals are ordered across the portfolio, and the loan is underwritten on portfolio DSCR — not your W2s or tax returns.

Closing & Consolidation

Our advisors handle this step for you and keep you informed at every stage.

Who Qualifies?

Investors with 5+ rental properties or units (smaller groupings considered case-by-case)
Eligible properties: non-owner occupied single-family homes, 2-4 units, warrantable condos, townhomes, PUDs, and multifamily (no rural properties)

Why Choose This Option

One loan, one payment, one lender — dramatically simpler operations.
Qualification based on portfolio rental income — no personal income docs.
Scales from $500K facilities to $50M+ institutional portfolios.

Common Scenarios

How businesses use Rental Portfolio Loans

Portfolio Acquisition

Purchasing an entire portfolio of rentals from a retiring landlord in a single closing.

Cash-Out for Growth

Unlocking accumulated equity across the portfolio to fund the next round of acquisitions.

BRRRR at Scale

Rolling a season's worth of stabilized flips into one permanent portfolio facility.

FAQ

Frequently Asked Questions

Get the facts on Rental Portfolio Loans.

How many properties do I need?

Portfolio loans are designed for 5 or more rental properties or units. Smaller groupings can be considered case-by-case, or financed individually with our single-property DSCR loans.

What is the maximum leverage?

Shorter-term structures may carry slightly lower maximums.

Do all my properties have to be rented?

A vacant unit or two in a larger portfolio is workable.

Can I sell one property out of the portfolio?

Yes. Portfolio loans include release provisions that let you sell an individual property by paying down an allocated portion of the loan.

Is qualification based on my personal income?

No. Like DSCR loans, portfolio loans are underwritten on the rental income of the properties — minimum 1.05x portfolio DSCR — with no W2s or tax returns required.

What property types can be included?

Single-family homes, 2-4 unit properties, warrantable condos, townhomes, PUDs, and multifamily. Rural properties are not eligible.

Stop waiting. Start growing.

Start your application and find out exactly how much capital you qualify for. It won't affect your credit score.

Get Pre-Qualified Now → Schedule A Call

Business Funding

Commercial Real Estate