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Rental Portfolio Loans

Rates Starting at 6.05%*

Rental property loan offering long-term, fixed-rate financing for multiple properties.
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Maximum Loan-To-Value(LTV)

Up to 80% on purchase and refi. Up to 75% on cash-out

30 years term

Flexible repayment periods

$55K

Minimum loan amount

LOAN CRITERIA

Collateral

Non-Owner Occupied 1-4 Family Real Estate; Condos; Townhomes; Multi-Family Apartment Buildings (5 – 9 Units)

Term

30-Year term, Fixed Rate Mortgage (Fully Amortizing) 5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)

Minimum Loan Amount:

$55K per Individual Property

Maximum Loan Amount:

$20M Overall Portfolio

FICO:

680

Maximum Loan-To-Value(LTV)

Up to 80% on purchase and refi. Up to 75% on cash-out

Minimum Property Value:

Individual Property Value:

  • 1 Unit: $75k
  • 2 – 4 Units: $100k
  • 5 – 9 Units: $125k

Average Portfolio Value:

$100k

Minimum Occupancy Rate:

90%*
*As Evaluated by Both Property Value and Unit Count

Minimum DSCR Requirement:

1.20

* Non-owner-occupied loans ONLY. All products are intended for residential properties.

** The rates shown represent the lowest possible options. The actual rates and deals you receive may change based on various approval criteria, including your FICO score, past experience, duration of ownership, among others.

*** We do not currently lend in the following states:

  • Arizona
  • Nevada
  • North Dakota
  • Oregon
  • South Dakota
  • Utah
  • Vermont
  • Arizona
  • Nevada
  • Oregon
  • North Dakota
  • South dakota
  • Utah
  • Vermont
LCM MAP 2025
✦ New Program — Now Available

Ground Up Construction
For Every Experience Level

Levine Capital now offers financing for first-time builders. Whether you are brand new to construction or a seasoned developer, we have a program built for you.

🏗

New: Beginner Builder Program — No Prior Ground-Up Experience Required

We work with experienced General Contractors to make new construction accessible to first-time investors. If you have a solid GC and a viable project, we want to fund it.

Get Your Quote →
New
🌿
Beginner Builder
No prior ground-up experience required
80%
of Total Project Costs
  • ✓Experience RequiredNo GUC experience needed — licensed GC required
  • ✓FICO Score660+ minimum
  • ✓Max Loan-to-ARVUp to 65%
  • ✓Term Length12 to 18 months
  • ✓RecourseFull recourse
  • ✓Reserves3 months PITIA minimum
Apply Now — Free Quote
🏠
Ground Standard
For newer real estate investors
85%
of Total Project Costs
  • ✓Experience Required1–2 prior ground-up builds
  • ✓Max Loan-to-ARVUp to 70%
  • ✓Term Length12 to 18 months
  • ✓RecourseFull recourse
Get a Free Quote
Most Popular
🏆
Experienced Developer
For seasoned construction professionals
90%
of Total Project Costs
  • ✓Experience Required3+ ground-up builds
  • ✓Max Loan-to-ARVUp to 70%
  • ✓Term Length12 to 24 months
  • ✓RecourseFull recourse
Get a Free Quote

Beginner Builder — Quick Requirements Checklist

💳
660+
Min FICO Score
📐
80%
Max LTC
🏡
65%
Max Loan-to-ARV
📅
18 Mo
Max Term
💰
$50K+
Min Loan Amount
🔨
GC
Licensed GC Required

How to Get Funded in 5 Steps

1
Submit Quick Quote
Fill out our 60-second form with your project details
2
Get Pre-Screened
Our team reviews your scenario and sends a preliminary quote
3
Submit Documents
Upload plans, permits, GC contract, and borrower docs
4
Underwriting
Fast review with draw schedule and term sheet issued
5
Close and Build
Funds released in draws as construction milestones are hit

Ready to build? Get a free quote in under 60 seconds.

Get My Free Construction Quote →

* Rates starting at 8.99%. Actual rates vary based on borrower profile and project details. Non-owner-occupied only.