Rental Portfolio Financing
Capital for the portfolio. Not just the property.
As rental portfolios grow, the financing strategy often needs to evolve with them. East Towne Capital works with qualified investors evaluating capital for multiple-property acquisitions, refinancing, portfolio restructuring, and continued growth.
Relevant Situations
Where this capital applies
What We Evaluate
The transaction, not just the request
East Towne Capital looks beyond the surface to understand how the financing fits the overall transaction.
- Portfolio composition
- Aggregate cash flow
- Occupancy
- Property conditions
- Equity position
- Refinance objectives
- Growth strategy
Qualification
Minimum Credit Score
Minimum Credit Score: 680+ (Mid-FICO)
Minimum credit score is one qualification factor. Additional underwriting requirements apply. Meeting the minimum credit score does not guarantee approval, terms, or funding.
Indicative Financing Parameters
Parameters structured around the transaction
Shown to illustrate the range East Towne Capital evaluates. Actual structure depends on the transaction, borrower, property, market, and current program availability.
Property Types
Single-Family, 2–4 Unit, Townhomes, PUDs, and eligible Condominiums.
Loan Amount
Program dependent. Core portfolio structures may extend into multimillion-dollar transactions. Larger portfolios should be individually evaluated.
Potential LTV
Purchase / Rate-Term: up to approximately 80% on qualifying transactions. Cash-Out: up to approximately 75% on qualifying transactions.
DSCR
May range based on portfolio size, methodology, property composition, and financing program. Certain smaller qualifying portfolio structures may be available around 1.05x. Other portfolio programs may require approximately 1.20x or another minimum.
Occupancy
Portfolio-level occupancy requirements may apply.
Financing parameters are indicative and subject to current program availability, borrower and property eligibility, underwriting, due diligence, documentation, market conditions, and applicable capital-source requirements. Information shown does not constitute an approval or commitment to lend.
Pricing + Cost Considerations
Look beyond the rate
The interest rate is one part of the economics of a transaction. East Towne Capital evaluates the complete financing structure so borrowers can understand the potential cost of capital before moving forward.
Interest Rate
Current pricing available by request.
East Towne Capital Fee
Varies by transaction and financing structure.
Capital Source Origination / Financing Fee
Separate from East Towne Capital's fee; varies by financing structure and applicable program.
Third-Party Costs
Transaction dependent.
Prepayment
Program dependent.
Extension Provisions
May apply depending upon financing structure.
Other Transaction Costs
May apply.
Long-Term Financing Cost Considerations
A lower interest rate does not automatically mean a lower total transaction cost across a portfolio.
East Towne Capital LLC fees, when applicable, are separate from any origination fees, points, underwriting fees, commitment fees, or other charges assessed by the applicable capital source. A transaction may also involve independent third-party expenses, including appraisal, legal, title, settlement, inspection, environmental, engineering, insurance, recording, and other due-diligence costs. East Towne Capital's fee is due only upon the successful closing of your loan. No fee is payable in advance, and if your loan does not close, no East Towne Capital fee is due. At closing, the applicable fee is disclosed and paid as part of the closing transaction and reflected on the applicable closing statement (HUD-1 or closing disclosure), separate from lender and third-party charges. The fees and expenses applicable to a particular transaction depend on the financing structure, property, borrower or sponsor, and program requirements and will be identified as applicable during the financing process. Rates, fees, terms, and program availability are subject to change. Information presented on this website does not constitute an approval or commitment to provide financing.
Fee Disclosure
FEE DISCLOSURE: East Towne Capital LLC may charge fees in connection with arranging, structuring, or facilitating a financing transaction. East Towne Capital's fees are separate from and in addition to any origination points, underwriting fees, commitment fees, administrative charges, or other financing costs imposed by the applicable capital source. East Towne Capital's fee is due only upon the successful closing of your loan; no fee is payable in advance, and if your loan does not close, no East Towne Capital fee is due. When applicable, the fee is collected at the closing table and disclosed and paid as part of the closing transaction on the settlement statement (HUD-1 or closing disclosure). Independent third-party costs, including appraisal, legal, title, settlement, insurance, environmental, engineering, inspection, recording, and other due-diligence expenses, may also apply. Actual rates, fees, costs, and financing terms vary by transaction and are subject to applicable program requirements, underwriting, due diligence, documentation, market conditions, and final approval. Nothing contained on this website constitutes an offer, approval, commitment to lend, or guarantee of financing.
Common Questions
Questions about rental portfolio financing
What does East Towne Capital evaluate on a rental portfolio?
Portfolio composition, aggregate cash flow, occupancy, property conditions, equity position, refinance objectives, and growth strategy.
How is DSCR evaluated across a portfolio?
DSCR may be evaluated in aggregate or property-by-property depending on program and methodology. Certain smaller qualifying structures may be available around 1.05x; other programs may require approximately 1.20x or another minimum.
Can a portfolio be refinanced to consolidate debt?
Yes — debt consolidation and portfolio restructuring are common use cases, subject to program, LTV, and DSCR qualification.
Is cash-out available on a portfolio refinance?
Cash-out may be available up to approximately 75% LTV on qualifying transactions, subject to program requirements.
Your Portfolio Is Growing. Your Financing Should Keep Up.
Explore financing solutions designed to help real estate investors refinance, consolidate, acquire, and continue building their rental portfolios.
Minimum Credit Score: 680+ (Mid-FICO)
No upfront East Towne Capital fee. Our fee is due only when your loan successfully closes. If your loan does not close, no East Towne Capital fee is due.