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Writer's pictureREI Gap Funding

Real Estate Portfolio Loan (Express)

Use our Real Estate Portfolio Loan (Ex) to unlock equity and grow your Rental Business.

Our Real Estate Portfolio Loan (Express) is designed to help Rental investors Purchase multiple properties at the same time and/or unlock their equity and get cash out of their existing Rental investment properties. Consolidate multiple rental property mortgages into a single loan so you can continue to grow your portfolio.


Speak with our Portfolio Managers & Learn More About our Products:


Here are some Key Facts about our Real Estate Portfolio Loans:

  • Is a Commercial loan underwritten on property cash flow

  • No personal income verification is required

  • Refinance an existing Portfolio with our Streamline Refinance!

  • No limit to the number of properties that can be financed

  • Designed for buy-and-hold investors

  • Exclusive for Real Estate Rental Properties

We offer 2 types of Rental Portfolio Loans

  1. Standard Portfolio Rental Loans

  2. Express Portfolio Rental Loans


Express Real Estate Portfolio Rental Loans

Express Rental Portfolio Loans are great products for real estate investors to acquire new investment properties and expand their rental portfolio. Purchase or refinance a portfolio of rental properties or Refinance and acquire properties under the same transaction. With no limit on how many properties you can buy, the sky is the limit on this program. When applying for a portfolio loan National Private Lending also get you approved for a Real Estate Investing Line of Credit, which allows you to do multiple transactions simultaneously.


Rental Property Portfolio Loan Interest Rate Start as low as 4% for a 30 year loan with a 30 Year full amortization. For an Interest Only option, check out our Standard Portfolio Rental Loans.


Interest Rates could vary depending on market conditions, the risk factor of the loan, credit scores, experience and/or your company profile in general, so always feel free to give us a Call for a Quick Quote, we'll ask you a few simple questions and we'll be able to give you a quote instantly.


Express Portfolio Rental Loan Amount start at a minimum of $200,000 Loan Amount and it will go up to $5,000,000 Million, if your property portfolio has a higher value start amount check out our Standard Portfolio Loans which start at $500,000 with additional benefit for high loan amount portfolios.


Property Minimums

  • Minimum property value is $100K, but portfolio must maintain an average value of $200K.

  • 2 Properties per loan minimum


Our Express Rental Portfolio Loan Terms is a 30 year fixed loan with a 30 Year full amortization. Interest-only option is not available under this program. For Interest Only Loan, check out our Standard Portfolio Rental Loans. With our Rental Portfolio program, you will be required to have an Entity, a Special Purpose Entity, a Newly Formed LLC or an existing LLC that was used exclusively to hold the portfolio.


*Have any specific questions? Schedule a quick Consultation today!


Our Express Rental Portfolio Loans doesn't require experience as a landlord but does requires experience owning a property in the past, so new real estate investors are welcome! (No 1st time home buyers) as a side note, property loan pricing, leverage and required reserves will be determined based upon experience.


Maximum Leverage for Purchases, Purchase a Rental Portfolio with National Private Lending loans for maximum leverage... Up to 80% on purchase / limited cash-out refi, and 75% on cash-out refi


Refinance a Rental Portfolio, if you are looking to refinance a Rental portfolio and you are looking for Maximum Leverage, our Rental Portfolio Loans are made for it. Finance 75% on rate & term loans and Up to 75% on cash-out refinance 🤯


When do we use Value vs Cost Basis? for real estate rental property loans. we require a seasoning of 180 days to use new value or Cash out [Purchase Price + cost of work completed, if any. (Verified and provided by Inspector)]


Rental Property Loans are specifically to purchase real estate investments properties with the intention to rent them to your local market. We fund up to 80% of the purchase price and up to 75% on cash-out refinance.


You can use our rental loans for all your Non-Owner Occupied properties / real estate investments, including the following types:

  • Single Family Residences (SFR)

  • 2-4 unit residences

  • Warrantable condos

  • Non-warrantable condos (max 65% LTV)

  • Townhomes

  • Planned Urban Developments (PUD)

  • Multi-family, 5-8 units

Finally, Rental Portfolio Loans for Foreign Nationals are allowed up to 70% on purchase/limited cash-out and 65% on cash-out of the investment property, with the exception of ineligible countries.


Why Choose a Rental Property Line of Credit?

  1. Our Rentals Line of Credit is designed for investors who need funding for multiple rental properties.

  2. Applying for a Rental Line of Credit is easy and allows investors to close more loans quickly.

  3. Grow with us, as you fund more property loans with us and gain experience, your terms may improve. Extensive Rehab financing is available for larger Fix & hold projects.


To Speak with a Portfolio Manager & Learn More About our Products:

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