# 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.

Canonical: https://riversidepark.capital/residential-investor-portfolio-financing
Markdown: https://riversidepark.capital/residential-investor-portfolio-financing.md

## Quick answer

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.

## 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.

**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.

**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.

## Loan parameters

- Loan size: $100,000 to $5,000,000
- Loan type: Residential Investor DSCR Loans

## Eligible assets

- Single-family rentals
- 2-4 unit rentals
- Condos and townhomes

## 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.

## 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.

## FAQs

**Q: Will all properties move through underwriting together?**

Portfolio membership groups related loans for tracking. Each loan moves through the process individually; grouping does not create a joint approval or require a simultaneous closing.

**Q: Does RPC publish a blanket portfolio maximum?**

No blanket maximum is offered here. The residential DSCR program's published loan maximum is $5 million; discuss the actual structure before assuming an aggregate facility.

**Q: Can all of my properties use the same leverage?**

Purchase leverage can reach 80% LTV subject to each property's review. Cash-out leverage is confirmed per deal, and property and state eligibility must be checked individually.

## Related

- [Residential Investor DSCR Loans](https://riversidepark.capital/dscr-loans)
- [Apply for financing](https://riversidepark.capital/apply)
- [Submit a deal as a broker](https://riversidepark.capital/partners)
- [Recorded financing case studies](https://riversidepark.capital/real-estate-financing-case-studies)

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Source: Riverside Park Capital - https://riversidepark.capital/residential-investor-portfolio-financing