SFR Portfolio Loans
Multiple Properties, One Portfolio Loan
Build long-term wealth by consolidating multiple SFR properties into one flexible loan with one easy payment.
Consolidate up to 20 properties in one loan
Lower costs and fees with reduced interest rates
Easier portfolio management on multiple properties
Recourse and non-recourse options
Discover the Benefits of SFR Portfolio Financing
SFR Portfolio Loans are designed for investors who own or are acquiring multiple rental properties and want the efficiency of financing all under one convenient loan. With fast, flexible funding, our SFR Portfolio Loans make it easier to consolidate and scale your portfolio efficiently.
Your SFR Portfolio Loan, Simplified
One Loan. One Payment. Real Simplicity
Up to
80% LTV
for Purchase
Up to
75% LTV
for Refinances
Minimum
3+ Properties
(Max 20)
30-Year
Fixed Rates
(10-Year IO Option)
5/1 & 10/1 ARMs
(IO Available)
Up to
$3M Loan Size
Analyze a Property & Get a Quote
Run ARV and DSCR calculations with estimated rental ranges, holding costs, and financing options tailored to real estate investors.
Run a cash flow analysis
$769,513
Ponte Vedra Beach, Florida
SFR Portfolio Loans for Every Strategy
Tailored loans designed with investors in mind, so you have the capital to invest with confidence.
Speak With a Loan Advisor
Scalable SFR Portfolio Solutions for Every Investor
Early-Stage Investors
Transitioning from single deals to a full portfolio shouldn’t be complicated. Our SFR Portfolio loans offer a streamlined refinance process for consolidating multiple properties under one, simple loan.
Experienced Investors
Scaling a property portfolio requires financing that scales with you. LendingOne supports experienced investors with dependable capital, flexible terms, and the ability to bundle properties for easier management and cost-savings.
Portfolio Investors
For investors managing large-scale rental portfolios, our financing is built for efficiency. With consolidated loans, customized structuring and a team of experts that understands complex portfolio deals, we can help you grow and operate at scale.
LendingOne vs.
Traditional Lenders
| Feature | SFR Portfolio Loans | Conventional Loans |
|---|---|---|
| Loan Limits | Up to 20 properties per portfolio loan – one monthly payment | Max 10 Properties |
| Approval Process | Fast approvals with minimal docs – no tax returns or income verification | Lengthy, doc-heavy; requires W2s, tax returns |
| Closing Speed | In as little as a few weeks | Weeks to Months |
| Flexibility | Investor-tailored options | Rigid |
| Loan Programs | Fix/Flip, Rental, Portfolio, Fix to Rent, New Construction | Limited mortgage options for investors |
| Underwriting | DSCR-based. Property performance more important than person income | Income-based with full documentation |
| Stricter LTV caps; harder to qualify | Higher leverage – Up to 75% LTV cash-out refinances | Stricter LTV caps; harder to qualify |
Earned 14K profit on a tax-sale deal after a 14-month title delay
Grew portfolio to four properties between 2020-2025 with LendingOne financing.
Overcame tenant default issues, improving rent stability and cash flow.
Testimonials
Recently Funded SFR Portfolio Deals
Location
Richmond , VA
Location
Tucson , AZ
Location
Gulfport , MS
Location
Rochester , NY
Location
Idaho Falls , ID
Location
Charleston , SC
Location
Houston , TX
Location
Kennebunk , ME
Location
Indianapolis , IN
Frequently Asked Questions
LendingOne requires a minimum of 3 properties for a portfolio loan.
LendingOne allows you to consolidate up to 20 properties into one loan.
LendingOne lends up to 75% of purchase and rate/term, and cash-out refinances.
LendingOne requires at least 1.0 DSCR on SFR Portfolio loans.
SFR loans are generally considered less liquid than conventional residential loans because they’re backed by investment properties, not owner-occupied homes. For investors, this means an exit is typically available through refinancing, selling the property, or packaging stabilized assets. LendingOne structures its loans with these potential outcomes in mind, offering financing that supports long-term performance and portfolio scalability.
Not always. SFR loans usually depend on the property’s Debt Service Coverage Ratio (DSCR), rather than personal income or tax returns. While some lenders may request a limited personal guarantee or background verification, LendingOne’s underwriting process is asset-based and investor-focused, which helps qualified borrowers access capital efficiently without the paperwork burden of a full tax documentation.
Analyze a Deal and Get a Rate Quote
Run ARV and DSCR calculations, estimate rental income and holding costs, and view financing options tailored to real estate investors.