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.
Get up to 80% LTV using projected rental income.
Investors must meet the following criteria for portfolio loans:
1-10 unit residential properties, including single-family homes, townhomes, condos, duplexes, triplexes, and quadplexes.
680+
$300k to $50M
1.1x
3+ rental properties
No experience is required, however experienced investors are granted more flexibility for projected rental income.
A legally registered business is required to get funding.
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 |
Common questions that Indiana real estate investors tend to have.
The minimum down payment is 20% when purchasing multiple rental properties.
Rate and term refinancing is up to 80% LTV.
You can cash out refi up to 75% LTV.
Yes, you can roll closing costs into the loan if you’re within the maximum leverage limits.
No, however a signed and executed rental agreement will help you get higher leverage when refinancing.
Yes, you can qualify using up to 100% of AirDNA projections from rental income on Airbnb and VRBO.
These loans can be used for 1-10 unit residential properties, including single-family homes, townhouses, condos, duplexes, triplexes, and quadplexes.
680 is the minimum credit score
$300,000 is the minimum loan amount.
Yes, new investors can qualify with 5-10% reduced leverage.
The minimum DSCR requirement is 1.1.
Divide rental income by the sum of property taxes, insurance, principal and interest payments. Use our DSCR calculator.
Interest rates vary depending on your credit score, loan to value and real estate market risk.
Yes, I/O portfolio loans are interest-only for the first 10 years and then amortize for the following 20 years.
Capital Ton has rental portfolio financing options across various real estate markets in “the Hoosier State”, including:
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.
