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Portfolio DSCR Rental Loans

Portfolio DSCR rental loans built for real estate investors who are scaling. Finance the purchase or refinance of multiple rental properties with one clean portfolio structure-designed around cash flow, collateral, and execution. Consolidate your rentals, simplify your financing, and move faster with investor-friendly underwriting, flexible terms, and a process that's built to handle real portfolios (not one-off deals).

Whether you're stabilizing a growing rental portfolio, optimizing long-term debt, or positioning to acquire more doors, our portfolio DSCR program helps you lock in predictable payments, reduce documentation friction, and keep your strategy moving. Use our multi-property template to submit a clean data tape and accelerate review.

APPLY NOW MULTIPLE PROPERTIES (DOWNLOAD TEMPLATE) DSCR LOAN CALCULATOR


80% of As-Is

We'll often go up to 80% of the value of your property, making our program the most competitive for your needs.

Blanket Deal

Doing one loan on a portfolio of rentals is popular, mainly to save costs. We provide a 30-year option.

Property Types

SFR, 1-4 Units, 5+ Multifamily, Mixed Use, Retail, Industrial, Automotive, Mobile Home Park, Warehouse, Self-Storage, Restaurant/Bar, Daycare Center, and more.

Low Prepayment Penalties

Tired of paying those prepayment penalties when you have to sell properties? That's fine. We generally have low penalties.

Low Credit

If you're worried about your credit score to qualify, don't! We can lend to borrowers with credit scores as low as 650.

Low Docs

We do not require personal income or taxes. And these deals close in an LLC. AirBnBs are acceptable!

Questions? 954.798.0726 or info@icg10.com

Complete our quick 1-minute application and receive preliminary terms fast.

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Portfolio DSCR Rental Loans for Investors Who Are Scaling

A portfolio DSCR loan is designed to help real estate investors finance multiple rental properties with an underwriting approach focused on rental income coverage and collateral-so you can consolidate, stabilize, and grow with long-term financing that matches your hold strategy.

When Portfolio DSCR Financing Makes Sense

  • Consolidate rentals: Combine multiple properties into one streamlined portfolio structure.
  • Purchase multiple doors: Finance acquisitions efficiently without traditional income-heavy hurdles.
  • Refinance for long-term hold: Replace short-term debt with stable, long-term rental financing.
  • Optimize payments: Align debt terms with cash flow and your buy-and-hold model.
  • Scale faster: Use an investor-friendly process built to handle real portfolios.
Start DSCR Application > Download Data Tape DSCR Loan Calculator

How Portfolio DSCR Loans Work (Simple + Clear)

1
Submit your portfolio
Provide the address list, rent roll/leases, and your data tape for a fast initial review.
2
DSCR + collateral-based underwriting
Terms are structured around property cash flow coverage, asset type, and leverage.
3
Order valuation + title
Appraisals/valuations and title work are coordinated across the properties.
4
Close and scale
Finalize documents, close cleanly, and position the portfolio for the next acquisition.
Single Rental DSCR Portfolio / Blanket Lending Areas
Want a faster portfolio review?
Send the data tape + rent roll to accelerate underwriting on multi-property deals.
Download Template Call 954.798.0726

Portfolio DSCR Loan FAQs

Straight answers on portfolio DSCR rental loans, blanket financing, DSCR underwriting, documentation, and timelines.

What is a portfolio DSCR loan?
A portfolio DSCR loan is financing for multiple rental properties under one umbrella structure. Underwriting is typically driven by rental income coverage (DSCR) and collateral strength, which helps investors scale without the friction of traditional income-heavy requirements.
What can be included in a blanket portfolio loan?
Depending on the program, portfolio DSCR loans may include SFRs, 2-4 units, multifamily, mixed-use, and select commercial asset types. Eligibility depends on property cash flow, condition, location, and overall leverage.
Do portfolio DSCR loans require personal income documentation?
No. Our DSCR program is designed to reduce reliance on personal income documentation because the focus is the property's income coverage. Requirements vary by scenario, but organized portfolio submissions can materially reduce underwriting friction.
How is DSCR calculated for a portfolio?
DSCR is generally calculated by dividing rental income by the monthly debt payment. In a portfolio, DSCR may be reviewed per-property and/or across the portfolio depending on structure. Stronger DSCR typically supports better leverage and pricing.
Can I refinance multiple rentals into one portfolio loan?
Yes. Many investors refinance multiple rental properties into one portfolio DSCR structure to simplify payments, align long-term debt with their hold strategy, and reduce the complexity of managing multiple lenders and terms.
How do I speed up underwriting on a multi-property deal?
The fastest path is a clean submission: data tape (address list), rent roll/leases, insurance info, entity details, and any existing payoff statements for refinances. Use the download template to submit your portfolio in a lender-ready format.
Get Portfolio DSCR Terms >