Purchase or Refinance Multiple Rental Properties using a Blanket Loan
Consolidate multiple investment properties into a single rental portfolio loan with one monthly payment. Secure financing using current or projected rental income to qualify rather than personal income.
- One monthly loan payment
- Competitive interest rates
- 30-year fixed rates
- Flexible approval guidelines
- Simple loan process
Get up to 80% LTV using projected rental income.
Rental Portfolio Loan Florida Requirements
Investors must meet the following criteria for portfolio loans:
Property Types
1-10 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.
Minimum Credit Score
680+
Loan Amount
$300k to $50M
Minimum DSCR
1.1x
Minimum Properties
3+ rental properties
Landlord Experience
No experience is required, however experienced investors are granted more flexibility for projected rental income.
Required Documentation
A legally registered business is required to get funding.
- Driver’s License or State ID
- LLC Articles of Organization
- LLC Operating Agreement
- EIN Letter (IRS-issued tax ID)
Pre-approval in just 24 hours without impacting your credit!
Blanket Loan Terms
Maximize your returns with competitive rates, industry-leading high leverage and flexible loan terms.
| Minimum Credit Score | 680+ |
| Loan Amount | $300k-$50M |
| Purchase/Refinance | Up to 80% LTV |
| Cash Out Refinance | Up to 75% LTV |
| Interest Rates | Starting at 7% |
| Minimum DSCR | 1.1x |
| Closing Time | 21-30 days |
Request a Rental Loan Quote
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- Secure up to 80% financing
- See how much you qualify for
- Get pre-approved within 24 hrs
FAQs About Rental Portfolio Loans in Florida
Common questions that Florida real estate investors tend to have.
What’s the minimum down payment on acquisition rental portfolio loans?
The minimum down payment is 20% when purchasing multiple rental properties.
What’s the maximum LTV when refinancing multiple properties?
Rate and term refinancing is up to 80% LTV.
What’s the max LTV for a rental portfolio cash-out refinance?
You can cash out refi up to 75% LTV.
What loan options are available?
- 30-year fixed-rate mortgage
- 7/1 ARM
- 5/1 ARM
- Interest only
Can closing costs be financed into the loan when refinancing?
Yes, you can roll closing costs into the loan if you’re within the maximum leverage limits.
Is a lease agreement required?
No, however a signed and executed rental agreement will help you get higher leverage when refinancing.
Are short term rentals accepted?
Yes, you can qualify using up to 100% of AirDNA projections from rental income on Airbnb and VRBO.
What types of properties qualify?
These loans can be used for 1-10 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.
What’s the minimum credit score?
680 is the minimum credit score
What’s the minimum loan amount?
$300,000 is the minimum loan amount.
Do you work with first-time investors?
Yes, new investors can qualify with 5-10% reduced leverage.
Is there a minimum DSCR required?
The minimum DSCR requirement is 1.1.
How do you calculate DSCR?
Divide rental income by the sum of property taxes, insurance, principal and interest payments. Use our DSCR calculator.
What determines my interest rate?
Interest rates vary depending on your credit score, loan to value and real estate market risk.
Do you offer interest only options?
Yes, I/O portfolio loans are interest-only for the first 10 years and then amortize for the following 20 years.
Speak with a Portfolio Loan Specialist
Florida Rental Markets We Serve
Capital Ton has rental portfolio financing options across various real estate markets in “the Sunshine State”, including:
- Miami
- Jacksonville
- Tampa
- Orlando
- Sarasota
- Bradenton
- St. Petersburg
- Fort Lauderdale
- Clearwater
- Fort Myers
- Port St. Lucie
- Hollywood
- Gainesville
- Tallahassee
- Cape Coral
- Boca Raton
- Deerfield Beach
- Hialeah
- Pembroke Pines
- Miramar
- Coral Springs
- Palm Bay
- West Palm Beach
- Lakeland
- Pompano Beach
- Davie
- Boynton Beach
- Delray Beach
- Sunrise
- Plantation
- Deltona
- Palm Coast
- Largo
- Melbourne
- Homestead
- Kissimmee
- North Port
- Lauderhill
- Daytona Beach
- Tamarac
- Lauderhill
- Weston
- Ocala
- Wellington
- Sanford
- Port Orange
- Palm Beach
- Margate
- Coconut Creek
- Pensacola
Capital Ton specializes in non-owner occupied investment property loans, empowering real estate investors to grow their portfolios with confidence. We proudly serve clients across 24 states, offering tailored financing solutions for fix and flips and rental properties. Capital Ton delivers flexible loan options with competitive rates and maintains a commitment to transparency and integrity.