Long-term Financing for Rental Properties

AMCFG has some of the most attractive offerings for those real estate investors looking to obtain long-term financing for the purchase or refinance of rental properties. These loans are specifically designed for real estate investors. We offer two long-term financing programs: Single Rental Loan and Portfolio Rental Loan.

Single Rental Loan*

As the name suggests, this program is for the purchase or refinance of single investment property (see matrix below for eligible property types). Key features of this program include:

  • One loan for a single rental property
  • Fully-amortizing, fixed-rate loan with a 30-year term
  • Loan amounts from $75,000 to $750,000
  • No limit on cash-out refinances

Portfolio Rental Loan*

AMCFG's Portfolio Rental Loan program is perfect for investors looking to roll multiple rental properties into a single blanket loan. Key features of this program include:

  • Blanket loan for 7+ rent-producing doors
  • 5- or 10-year, fixed-rate terms
  • Amortization up to 30 years, with interest-only option available
  • No limit on cash-out refinances

*Product not offered in all states. Loans are subject to investor and business credit approval, appraisal, and geographic location of property and other underwriting criteria. Loan amounts and rates may vary depending upon loan type, LTV, verification of application information, and other risk-based factors. **Any multi-family property 30 years or older cannot exceed a 25-year amortization. These properties do not qualify for interest-only loans. ***Refinance loans on properties owned <90 days are capped at 80% loan-to-cost.