Do you verify personal income on portfolio loans?

No. Like our DSCR program, approval is based on property cash flow and credit, with no pay stubs, personal tax returns or DTI.

Can I mix single-family and multifamily properties?

Yes. Single-family homes and 2–10 unit residential rentals can be financed within the same relationship.

Can I hold the properties in different LLCs?

Yes. LLCs are welcome, and we can work with investors who hold properties across more than one entity.

Can I take cash out of my portfolio?

Yes. Cash-out refinancing is available up to 75% LTV, subject to seasoning and property cash flow.

Do you finance commercial properties in a portfolio?

Our rental programs cover non-owner-occupied residential properties. Ask a loan officer about any mixed-use or larger assets in your portfolio.

Where can the properties be located?

Anywhere in the 50 states and Washington, D.C.

Send a schedule of your properties with addresses, rents and current debt, and a loan officer will recommend the best structure.

Rental Portfolio Financing

Rental Portfolio Loans to Scale Your Holdings

Whether you own a single rental or manage dozens of doors, financing each property separately slows you down. Our rental portfolio loans give growing investors one lender, one process and approvals based on how the portfolio performs.

Find Out If You Prequalify Call 1-800-674-3804

Row of rental townhomes in an investor's portfolio

Program snapshot

Properties financed: 1 → Many; Properties financed
Cash-flow approval: No DTI; Cash-flow approval
Unit buildings eligible: 2–10; Unit buildings eligible
States served: 50 + DC; States served

One LenderFor the whole portfolio

LLCs WelcomeBuilt for businesses

Why Investors Move to Portfolio Financing

Conventional lenders cap how many financed properties one borrower can hold, and every new loan means another round of tax returns and income checks. Rental portfolio financing removes that ceiling by qualifying on the cash flow your properties produce.

We built Hedge Wealth Capital's own rental portfolio past 275 units, so we understand the operational side of scaling: staggered maturities, mixed property types and the need for one lending partner who knows your whole business.

Aerial view of a neighborhood of single-family rental homes

What a Rental Property Portfolio Loan Covers

Portfolio financing runs on the same cash-flow underwriting as our DSCR loans: we look at whether rents cover the debt and at your credit, not your personal income.

Single-family and 2–10 units

Mix single-family homes with small multifamily rentals in one relationship.

LLCs and individuals

Hold properties in your own name or across your entities.

Purchase, refi or cash-out

Add new acquisitions, refinance existing debt or pull equity with a cash-out refinance.

Nationwide

Properties in any of the 50 states and Washington, D.C.

Step by Step

Building a Portfolio With HWC

Acquire and renovate

Buy below value with hard money loans or a bridge loan.

Stabilize

Finish the work and place tenants to establish rental income.

Refinance long-term

Move each stabilized property onto 30-year fixed DSCR financing.

Recycle equity

Pull cash out as values rise and repeat with the next acquisition.

Compare

Portfolio Loan vs. Financing One Property at a Time

As the number of doors grows, the gap between these two approaches widens.

Feature	Portfolio approach	One loan per property
Paperwork	One relationship, one process	Repeat documentation every time
Qualification	Property cash flow	Often personal income and DTI
Borrower limits	Built to scale	Conventional caps on financed properties
Management	Streamlined servicing	Many lenders, many payment dates

Paperwork

Portfolio approach: One relationship, one process

One loan per property: Repeat documentation every time

Qualification

Portfolio approach: Property cash flow

One loan per property: Often personal income and DTI

Borrower limits

Portfolio approach: Built to scale

One loan per property: Conventional caps on financed properties

Management

Portfolio approach: Streamlined servicing

One loan per property: Many lenders, many payment dates

FAQ

Frequently Asked Questions

Still have a question?

Talk to our team about your property and timeline.

1-800-674-3804

It is financing designed for investors who own or are building multiple rental properties, approved on how the properties perform rather than on personal income.

Related Programs

Keep Exploring Financing Options

Single-family rental home financed with a 30-year DSCR loan

30-Year Rental Loans

DSCR Loans

30-year fixed DSCR loans that qualify on rental cash flow, not personal income. Up to 80% LTV, 680+ FICO, no tax returns or W-2s, single-family and 2–10 unit rentals in all 50 states.

Explore DSCR Loans

Rental Property Refinance

Cash-Out Refinance

Cash-out refinance your rental property based on rental cash flow, not personal income. Up to 75% LTV, typical 3-month seasoning, and a Delayed Purchase option for properties bought with cash.

Explore Cash-Out Refinance

Direct Private Lender

Private Money Lenders

A direct private money lender funding real estate investors with 100% of its own capital since 2010. In-house underwriting, same-day approvals, and loans in all 50 states and D.C.

Explore Private Money Lenders

Talk With HWC

Have a property under contract or a project you are evaluating? Tell us where things stand and what financing questions you need to resolve.

Find Out If You Prequalify Call 1-800-674-3804