Expand Your Portfolio with Strategic Rental Financing
Scale your real estate holdings with competitive leverage tailored for rental portfolios.
Our Investor Rental Portfolio Loan Program provides flexible term structures, strong amortization options, and portfolio capacity up to $20M — giving investors the capital they need to grow.
Investor Rental Portfolio Loans Highlights
Flex Financial offers investors the financing they need to build long-term wealth through our Investor Rental Portfolio loan program. With flexible terms and competitive rates, we provide the tools to help clients expand their real estate portfolios.
Loan Criteria
Collateral:
Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Multi-Family Apartment Buildings (5 – 9 Units)
Term:
3, 5, 7, & 10 Year
Amortization Options:
3 Year Term: 30Y Amort + 3Y Balloon, or 3Y IO + 3Y Balloon
5 Year Term: 30Y Amort + 5Y Balloon, or 5Y IO + 5Y Balloon
7 Year Term: 30Y Amort + 7Y Balloon, or 7Y IO + 7Y Balloon
10 Year Term: 30Y Amort + 10Y Balloon, or 10Y IO + 10Y Balloon
Minimum Loan Amount:
$55k per Individual Property
Maximum Loan Amount:
$1.5M per Individual Property
$20M Overall Portfolio
Minimum Property Value:
Individual Property Value:
1 Unit: $75k
2 – 4 Units: $100k
5 – 9 Units: $125k
Average Portfolio Value:
$100k
Credit Score:
680
Minimum Occupancy Rate:
90%*
*As Evaluated by Both Property Value and Unit Count
Minimum DSCR Requirement:
1.20
Investor Rental Portfolio Loan Program Typical Leverages
PURCHASE
| FICO | MAXIMUM LOAN-TO-VALUE (LTV)** | MAXIMUM LOAN-TO-COST (LTC)** |
|---|---|---|
| 720+ | Up to 70% of the As-Is Value | Up to 70% Loan-to-Cost |
| 700 – 719 | Up to 65% of the As-Is Value | Up to 65% Loan-to-Cost |
| 680 – 699 | Up to 60% of the As-Is Value | Up to 60% Loan-to-Cost |
| **Loan Amount is the Lessor of (LTV/LTC) |
| FICO | MAXIMUM LOAN-TO-VALUE (LTV) |
|---|---|
| 720+ | Up to 65% of the As-Is Value |
| 700 – 719 | Up to 60% of the As-Is Value |
| 680 – 699 | Up to 55% of the As-Is Value |
| FICO | MAXIMUM LOAN-TO-VALUE (LTV) |
|---|---|
| 720+ | Up to 65% of the As-Is Value |
| 700 – 719 | Up to 60% of the As-Is Value |
| 680 – 699 | Up to 55% of the As-Is Value |
Why Choose Flex Financial
Built for Real-World Investors and Business Owners: Flex Financial is designed for borrowers who need certainty, speed, and flexibility—especially when traditional lenders slow deals down or say no.
Speed Without the Red Tape: We prioritize execution. Streamlined underwriting, direct decision-makers, and efficient processes allow us to move quickly from term sheet to funding—so you can secure opportunities before they disappear.
Flexible Credit & Income Requirements: We underwrite the deal, not just the borrower. Our programs accommodate low or imperfect credit, non-traditional income, and complex borrower structures.
Scalable Capital Partner: From $50,000 to $10 million, Flex Financial supports everything from single transactions to growing portfolios across California.
Trusted, Transparent Lender: Clear terms, upfront expectations, and no last-minute surprises. Built by professionals with deep California real estate and lending experience.