Residential Portfolio Loans
We offer a Long Term Portfolio Loan (3 or more properties) program specifically for residential real estate investors. This program is a low documentation, perfect for a fast purchases to either buy and hold or to refinance. Program qualification is based on property values, FICO score and property income. No personal income, primary residence or experience is required.
| Loan Amount | $250,000 – $10 Million |
| Minimum Property Value | $75,000 (Average value required $115,000) |
| Loan Term | 30 years |
| Purchase | Up to 80% LTV |
| Refinance | Up to 80% of the As-Is Value |
| Cash-Out | Up to 75% of the As-Is Value |
| Property Type | Long term rental and Vacation Rental Properties |
| Time to Close | 10 to 30 Days |
| Asset Classes | Non-owner Occupied 1-4 Family Residential Properties; Condos; Townhomes; Planned Unit Developments (PUDs), 5-9 unit commercial Apartments |
| Lien Position | First mortgage |
| Interest Rate | Varies depending on the market |
| Origination Fees | 0.00% – 3.00% (adjusted to loan size, timing, and complexity) |
| Minimum Credit Score | 660 |
| Amortization | Fully Amortized |
| Programs | 30yr Fixed, 5/1, 7/1, 10/1 ARM or Interest Only Options |
| Prepayment Penalty | Zero to 5yr Year declining or flat options |
A borrower seeking a long term DSCR loan must meet the following generally stated minimum requirements.
| Borrower Type | Corporations, Trust or Limited Liability Companies preferred |
| Borrower Liquidity | 9 Months of PITIA Reserves |
| Net Worth | Sufficient to support the loan and project scope |
| Foreign Nationals | Eligible with qualifying documentation |
| Credit Score | 660 or higher preferred |
Personal Documents
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Loan Application
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Track Record
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Most Recent Bank Statements
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Drivers License and/or Passport
Property Documents
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Purchase Contract
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Payoff Statement (if applicable)
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Rent Roll & Leases
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Taxes Statement & Evidence of Insurance
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Data tape of property Information
Business Documents
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Articles of Organization
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Operating Agreement
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IRS EIN Letter
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Certificate of Good Standing
We make it easy—download all the forms you need to start your loan application, hassle-free.
Real Estate Financing Made Simple
At Capital Three Sixty, real estate lending is all we do and we do it well. With decades of experience and thousands of funded deals, we help investors and business owners secure the right financing quickly and efficiently.
Fueling Your Real Estate Goals
Growing a Rental Portfolio
Flexible long-term loans for income-generating properties.
Flipping Properties
Fast capital for purchase, rehab, and resale.
Developing Commercial Projects
Funding for ground-up construction and value-add deals.
FUNDING IN
ALL STATES
*Except: MN, NV, ND, SD
Ready to
Get Started?
No hassle, no delays. Our quick application process is built to get investors, developers, and business owners the capital they need—without the runaround.
Simple online application
Quick review and response
No obligation term sheet