How Can a Residential Investor Finance a Rental Portfolio?
RPC can review residential rental properties through its DSCR program and organize related loans in a portfolio. Portfolio membership does not create a blanket loan, combine approval decisions or establish a larger published financing limit.
Key loan facts
- Loan Amount
- $100,000 to $5,000,000
- Eligible properties
- Single-family rentals, 2-4 unit rentals, Condos and townhomes
- Maximum Leverage
- 80%
- Minimum FICO
- 680
- Minimum DSCR
- 1.10x
What should a portfolio submission show for each property?
Prepare a property-by-property schedule with address, type, rent, value estimate, existing debt, requested loan and purchase or refinance purpose. Identify the owning entities and guarantors. Each property's value and payment must be supportable; income from one asset should not be assumed to cure another asset's shortfall.
Where it fits
The published DSCR maximum is $5 million, with purchase leverage up to 80% LTV. A portfolio grouping helps track related properties, while its loans move through the process individually. Confirm the proposed financing structure with the team rather than multiplying a per-loan limit into an offered portfolio facility.
Illustrative example
Illustrative: an investor buying a rental and refinancing another can submit the two purposes together for discussion. The purchase uses purchase leverage; the refinance needs its own payoff and terms. Being in the same portfolio does not establish the cash-out leverage or a shared closing date.
Initial fit check
Non-owner-occupied residential investment properties only. Minimum FICO 680, minimum DSCR 1.10x, and purchase leverage up to 80% LTV. Cash-out refinance leverage is confirmed per deal.
Apply with your property and financing request, or submit a deal as a broker through Partners.
Eligible Asset Types
- Single-family rentals
- 2-4 unit rentals
- Condos and townhomes
Which program facts apply to this request?
As of 2026-10-08| Fact | Public guideline |
|---|---|
| Loan amount | $100,000 to $5,000,000 |
| Program condition | Maximum loan amount: $5 million |
| Program condition | Maximum purchase LTV: 80% |
| Program condition | Minimum FICO: 680 |
| Program condition | Minimum DSCR: 1.10x |
| Program condition | Non-owner-occupied residential investment properties only |
| Program condition | Cash-out refinance leverage is confirmed per deal |
| Program condition | Closing timeline is confirmed per deal |
| Program condition | Residential DSCR financing is available in 43 states. Washington, DC is unavailable. A portfolio's properties must each be in an eligible state. |
| Program condition | All property types are subject to underwriting. |
- • These are public guidelines, not a loan commitment. Final terms depend on underwriting.
Source: Riverside Park Capital (2026-10-08), https://riversidepark.capital/residential-investor-portfolio-financing. Data may be cited or embedded with attribution.
Methodology
- Public lending guidelines reviewed 2026-10-08. Program limits are ceilings, not a commitment to lend. Examples labelled illustrative are calculations, not closed transactions.
Underwriting Guidelines
- Maximum loan amount: $5 million
- Maximum purchase LTV: 80%
- Minimum FICO: 680
- Minimum DSCR: 1.10x
- Non-owner-occupied residential investment properties only
- Cash-out refinance leverage is confirmed per deal
- Closing timeline is confirmed per deal
- Residential DSCR financing is available in 43 states. Washington, DC is unavailable. A portfolio's properties must each be in an eligible state.
- All property types are subject to underwriting.
Who This Is For
- Investors with several non-owner-occupied residential rentals
- Brokers preparing a clear schedule of related property requests
Who This Is Not For
- Owner-occupied homes
- Business acquisitions
- A request for an automatic blanket loan across a portfolio
Frequently Asked Questions
Request Financing
Tell us about the property. We send preliminary terms, which are an estimate and not an approval.
Request Financing View Program GuidelinesSubject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.
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Commercial real estate and investor property loans. $100,000 to $5,000,000
Subject to underwriting, collateral review, borrower qualification, and lender approval. Not a commitment to lend.