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Rental Portfolios

Our rental property loan products are flexible to meet the needs of different rental property investors, allowing you to access long-term financing at a fixed rate for one property or many.

A full suite of products for all rental property financing needs

Fast Financing For a Fast-Paced Market

Bull Venture Capital is here to simplify the rental property space. With a variety of property types, extensive financing options, nationwide funding (including multi-state portfolios), and a wide range of rental property loan programs, we look at the full picture.

• Property Types:Single family, 2-4 units, townhomes, PUD, warrantable condos, 5-8 Unit Properties allowed up to 15% of Loan Amount
• Loan Amount: $250,000 – $50,000,000
• Loan Types: 30-yr Fixed Rate Mortgage (Fully Amortizing)
  5/6, 7/6, 10/6 Hybrid ARMs (Partial IO or Fully Amortizing)
• Term Length: 5, 10 & 30 Years
• Max LTC: 80% if owned < 3 months, No limit if owned > 3 months
• Max LTV: Purchase/rate term refi: 80%, Cash-out refi: 75%
• Minimum Debt Service Coverage Ratio: For portfolios with <=$2mm and <=10 properties: 1.10x (gross rent/pitia) For all other portfolios: 1.20x (Net Cash Flow/Debt Service)
• Recourse: Non Recourse with “bad-boy” carveouts and Pledge of Equity of Borrowing Entity
• Minimum Guarantor FICO: Mid-Score of 680
• Lease Requirements: Minimum Occupancy Rate of 90% by Unit Count
  – Leased Units: Lower of (i) In-Place Rent & (ii) Market Rent
  – Unleased Units: 90% of Market Rent (Purchase Loans only)