Starting Rate
Rates from 5.39%*
Real Estate Lending / Rental Portfolio Loans
Rental Portfolio Loans
For Landlords Scaling a Collection of Non-Owner-Occupied Rentals with One Clear Capital Plan.
Use One Blanket Loan Across a Portfolio of Eligible 1–4 Unit Rentals for Purchase, Rate-Term Refinance, or Cash-Out as the Portfolio Grows.
At a Glance
5.39%
Starting Rate
Program-Specific
Term
$72K Min. Value / $2M Max.
Loan Amount
Plan the Portfolio
Put Your Rental Equity to Work.
Model a Cash-Out Refinance Across Your Rental Portfolio and See How the Requested Loan Could Change Monthly Principal and Interest.
Keep the Product Lane Clear
This Tool Is for Rental Portfolio Cash-Out Planning. For One 1–4 Unit Rental, Explore the DSCR Calculator. For 5+ Units, See Multifamily Bridge.
Rates & Terms
The Useful Details, in One Clear View.
Guidelines Give the Project a Starting Point. We’ll Look at the Asset, the Plan, and the Borrower Together to Confirm Fit.
Term / Options
Program-Specific; Confirm the Right Fixed or Adjustable Structure with ClearBlu
Loan Amount
Minimum Property Value of $72,000; Maximum Loan Amount of $2 Million
LTV
Up to 80% LTV for Purchase or Rate-Term Refinance; Up to 75% for Cash-Out
DSCR
Minimum 1.05x
Minimum FICO
680
Recourse
Full Recourse with Pledge of Equity
Borrower Requirement
Legal Entity Borrower Required; Non-Owner-Occupied Only
Eligible Property Types
SFR, 2–4 Unit Properties, Condos, Townhomes, and PUDs
Occupancy / Rent
Minimum 90% Occupancy by Unit; Unleased Units Counted at 90% of Market Rent
Key Restrictions
90-Day Seasoning; No Vacation or Seasonal Rentals; No Rural Properties
Explore the Full Lending Suite
Find the Right Path
for the Deal.
Who It’s For
A Capital Path with a Clear Job to Do.
Landlords Who Want to Consolidate Eligible Rentals and Build a More Durable, Easier-to-Manage Portfolio.
Bring Us the Opportunity Early. We’ll Help You Understand What the Deal Needs, What the Program Supports, and What to Prepare Next.
How It Works
From First Conversation
to Funded Deal.
01
Get in Touch
Tell Us What You’re Buying, Building, or Holding and Where You Want the Project to Go.
02
Submit Your Deal
Share the Property, Borrower, Budget, and Exit Details so We Can Underwrite the Full Picture.
03
We Fund
Move Forward with a Clear Capital Plan and a Lending Partner Who Understands the Work.
Your Next Move Starts Here