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Portfolio Rental Loans

“Alternative,” non-bank solutions for long-term, fixed-rate financing for 5 or more single family and/or multifamily Portfolio Rental properties.

Kick A$$ Real Estate Loans for Investors by Investors

No Preliminary Credit Check Baby!

Portfolio Rental Loans: SFR (Single Family Rental) and Multifamily

New Purchase | Rate and Term Refinance | Cash-Out Refinance

Up to 80% LTV purchase only and 75% ltv cash-out. 

loans UP to $15M. Rates as low as 6.375%. 

As investors ourselves, we get Portfolio Rental loans!

Our Portfolio Rental Loans help the Rental Portfolio investor get ahead of the game by offering flexible loans that finance multiple Rentals at once.

In competitive markets, especially for multiple Rental properties, you need to know you have capital ready to go, and that your lender has your back all the way through the process. Our Portfolio Rental Loans give you rocket-fast closings, capital that is less expensive than hard money, and long-term fixed rates for multiple properties in one loan.

As investors ourselves, we know the game. We are solid capital partners who can help you nail your next Portfolio Rental investment!

Finance your single-family or multifamily rental properties with fast approval, speed-to-close, higher leverage than a bank and hard money lenders, reliable funds, customized terms, moderate underwriting requirements.

  • Quicker loans = quicker deals = fewer deals lost
  • Greater leverage = less money out of pocket = more deals annually
  • Reliable funds = confidence at closing
  • No hidden fees = no surprises

WE ARE INVESTORS, JUST LIKE YOU. We have been buying and building real estate in the greater Philadelphia market since 2008. We built this lending platform for investors after our own personal lending experience.

  • Full-service capabilities from initial offer to sale of property
  • Creative structuring
  • Control costs and avoid bad investment property deals

As an iFC client, you can count on having a transparent, supportive relationship with our team of SFR Portfolio Lenders as your financing and project partner.

  • We pick up the phone when you call
  • No upfront credit check for initial conversation and quote
  • You have increased confidence at every stage
  • You have experienced investors to lean on

The Bottom Line: You can sleep at night!

We offer investment property SFR and Multifamily Portfolio Rental Loans with 30-year fixed rates, as well as 7/1 and 5/1 fixed/ARMS, LTV’s up to 80%, and rates as low as 6.375%.


Refinancing your PORTFOLIO RENTAL properties couldn't be easier

We Show Up And We Deliver!


Low rates. Flexible terms. Fast. Transparent. Reliable.

Just like you ... we’re hustle and grit, not suit and tie.


“I will summarize our experience with iFC into three things the guys have done really well. First, they are innovative with their products and company, in growing and adapting based on current market conditions and the overall economy. Second, they are very competitive when you stack them up with hard money lenders. Their rates, fees, and point are all very comparable, if not better. Third, they are investor-friendly; they are investors themselves and they get it from our perspective.”
Tyler, Axe Philly Real Estate Company

SFR and Multifamily Portfolio Rental Financing: FAQS

i Fund Cities offers rates as low as 6.375%.

Word of caution: do not believe the marketing gimmicks you see out there in the lending world. Rates are always determined by the following criteria:

  • Real estate asset you are purchasing
  • Investor experience
  • Investor credit score
  • Investor liquidity
  • Debt Service Coverage Ratio (DSCR)

iFC offers a 30-year fixed rate mortgage, as well as 7/1 and 5/1 fixed/ARMS.

We offer Portfolio Rental Loans on 5 or more properties of the following property types:

  • Residential
  • Townhomes
  • Condos
  • Multifamily 
  • Commercial, Mixed-Use (5+ units – must have 50% residential for us to lend)
We do not fund properties designated as “rural.”
Yes. For Portfolio Rental Loans, we require a minimum FICO score of 640 .

Must have 2 properties. Our minimum Portfolio Rental loan amount is 75K, and  maximum loan amount is $15M.

We lend in all 50 states except for California, New York, and Nevada.
iFC can provide Portfolio Rental Loans to both U.S. Citizens and Foreign Nationals.

For Portfolio lending, our underwriting process is less extensive than a traditional bank, and we make it as transparent and straightforward as possible.

Documents needed:

  1. Contact info for Buyer (and Guarantors), and Title, and Insurance Companies
  2. Loan Application + Driver’s License
  3. Agreement(s) of Sale or Deed
  4. Buyer’s Real Estate Experience/History
  5. Project/Entity Information
  6. 2-Month’s Bank Statements
  7. ACH Wire Transfer Info and W-9
Yes. We do an appraisal using LOCAL appraisers. (Using appraisers from large, national appraisal management companies can impact appraisal quality and slow down the loan process.)
Yes. You will need to have an LLC, a Limited Partnership, a General Partnership, a Corporation, or a Trust.

Yes. iFC’s prepayment penalties are the following:

0% or 5-year ARM (5%, 4%, 3%, 2%, 1%); 5-year fixed (5%); 3-year fixed (3%)

If the borrower owns the property for longer than six months, we can use the current appraisal value. If the property is owned for less than six months, we use the purchase price of the property. Seasoning can be shortened to four months if renovations are performed on the subject property. 

We do not fund owner-occupied properties; however, we can fund a property that is rented out to a family member.
Choosing the right capital partner for your real estate investment loans can be a game-changer (so choose wisely)! As investors ourselves, we know the game. We can help you learn it, fund it, and nail it.


Fill out the quick quote form for our loan officer to review and we will get in touch ASAP!


The iFC Portfolio Rental Loan Process

In competitive markets, where speed is everything, we can get you funds to close in as little as 7 days.
Fill out our deal form and get a quote in under two minutes. Once complete, someone on our team will follow up with a customized lending solution and terms.
We then issue preliminary pricing for your review. If the price is right, and you wish to move forward with iFC, a formal term sheet will be digitally issued for your signature. Sign and we will kick things into high gear!
Paperwork sucks, but we are here to help you along the way. After we collect the agreement of sale, title, and insurance contact information from you, we order your appraisal from a LOCAL company, (not a national appraisal management company, which can impact appraisal quality and delay your loan).
Provide us with supporting documents in a timely fashion (your real estate experience, driver’s license, entity information, and source of cash), and we will get you to closing in as little as 7 days.
We Are Real Estate Savvy, Entrepreneurial, Investors (Who Give a Damn About Your Success!)

We work relentlessly to make sure our customers’ lending experience is nothing shy of outstanding. Brought together by Philadelphia, a couple of beers, and a passion to do the impossible, the i Fund Cities team was formed.

Supportive of one another, the iFC team members are the type of people you want to be around—they inspire, motivate, and enjoy the company of their clients and partners.

Building strong relationships and impactful lending practices are the core values that drive the iFC team.

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