Seamless,
Portfolio Financing
IX’s Rental Portfolio Loans offer flexible, reliable funding for landlords managing 1-4 family homes, simplifying financing across multiple properties with competitive terms.
Rates and Terms for
Portfolio
Rate
Starting at 5.23%
Loan Amount
$100K - $2MM
Term
30 year
Fixed rate mortage
Minimum FICO
680
Borrower Type
Entity required
Loan Purpose
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
Maximum Loan-To-Value (Ltv)
Up to 80% on purchase and refi.
Up to 75% on cash-out
Minimum debt service coverage ratio (net cash flow/debt service)
1.20x
Seasoning Requirement (To Use Value Vs. Cost Basis)
180 days
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Reserves/Escrows
Minimum 1 month
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)
Property Types
Non-Owner Occupied:
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Property Restrictions
No vacation or seasonal rentals
Foreign Nationals
Eligible at maximum 65% LTV
Vacancy Minimum
Min. 90% occupancy rate by unit count
Rural Properties
Not permitted
Rate
Starting at 5.23%
Loan Amount
$100K - $2MM
Term
30 year
Fixed rate mortage
Minimum FICO
680
Borrower Type
Entity required
Loan Purpose
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
Maximum Loan-To-Value (Ltv)
Up to 80% on purchase and refi.
Up to 75% on cash-out
Minimum debt service coverage ratio (net cash flow/debt service)
1.20x
Seasoning Requirement (To Use Value Vs. Cost Basis)
180 days
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Reserves/Escrows
Minimum 1 month
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)
Property Types
Non-Owner Occupied:
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Property Restrictions
No vacation or seasonal rentals
Foreign Nationals
Eligible at maximum 65% LTV
Vacancy Minimum
Min. 90% occupancy rate by unit count
Rural Properties
Not permitted
Rate
Starting at 5.23%
Loan Amount
$100K - $2MM
Term
30 year
Fixed rate mortage
Minimum FICO
680
Borrower Type
Entity required
Loan Purpose
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
Maximum Loan-To-Value (Ltv)
Up to 80% on purchase and refi.
Up to 75% on cash-out
Minimum debt service coverage ratio (net cash flow/debt service)
1.20x
Seasoning Requirement (To Use Value Vs. Cost Basis)
180 days
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Reserves/Escrows
Minimum 1 month
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)
Property Types
Non-Owner Occupied:
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Property Restrictions
No vacation or seasonal rentals
Foreign Nationals
Eligible at maximum 65% LTV
Vacancy Minimum
Min. 90% occupancy rate by unit count
Rural Properties
Not permitted
Rate
Starting at 5.23%
Loan Amount
$100K - $2MM
Term
30 year
Fixed rate mortage
Minimum FICO
680
Borrower Type
Entity required
Loan Purpose
Blanket loan for purchase, rate-term refinance, or cash-out of a portfolio of rental properties
Maximum Loan-To-Value (Ltv)
Up to 80% on purchase and refi.
Up to 75% on cash-out
Minimum debt service coverage ratio (net cash flow/debt service)
1.20x
Seasoning Requirement (To Use Value Vs. Cost Basis)
180 days
Recourse
Full Recourse with Pledge of Equity of Borrowing Entity
Reserves/Escrows
Minimum 1 month
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)
Property Types
Non-Owner Occupied:
Single Family Residences (SFR)
2-4 unit properties
Warrantable condos
Townhomes
PUD
Property Restrictions
No vacation or seasonal rentals
Foreign Nationals
Eligible at maximum 65% LTV
Vacancy Minimum
Min. 90% occupancy rate by unit count
Rural Properties
Not permitted
Empowering Fix & Flip
Through Simplicity
Empowering Fix & Flip
Through Simplicity
Leverage Without Limits
Leverage Without Limits
Our borrower-friendly rates and full leverage options are available as early as 90 days post-purchase, with no further rent roll seasoning required, giving investors the flexibility to expand quickly.
Our borrower-friendly rates and full leverage options are available as early as 90 days post-purchase, with no further rent roll seasoning required, giving investors the flexibility to expand quickly.
Fuel for Portfolio Growth
Fuel for Portfolio Growth
IX funds property portfolios starting from $100K, up to $2MM, providing the capital landlords need to grow and manage their real estate portfolios with ease.
IX funds property portfolios starting from $100K, up to $2MM, providing the capital landlords need to grow and manage their real estate portfolios with ease.
IX funds property portfolios starting from $100K, up to $2MM, providing the capital landlords need to grow and manage their real estate portfolios with ease.
Options That Empower
Options That Empower
IX offers flexible loan terms to meet diverse investor needs, including 5, 10, and 30-year terms, fixed rates or hybrid ARMs, and partial interest-only options. Non-recourse financing is also available for qualified borrowers.
IX offers flexible loan terms to meet diverse investor needs, including 5, 10, and 30-year terms, fixed rates or hybrid ARMs, and partial interest-only options. Non-recourse financing is also available for qualified borrowers.
Contact us Today
Contact us today to get started. Our team will guide you through every step of the application process and answer any questions along the way. We're here to ensure your success and make your investment journey smooth and efficient.
Call us: (833) 446-2001
Email: support@ix.finance
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.
600 California Street, 11th Floor.
San Francisco, CA, 94108
(833) 446-2001
support@ix.finance
Connect us @
This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. IX Finance, LLC reserves the right to amend rates and guidelines. NMLS ID 2386867. Loans made or arranged pursuant to a California Finance Lenders Law License 60DBO-173082
© 2024 IX Finance, LLC. All Rights Reserved.