Application Process

Can I Apply if I Have Multiple Properties?

Last updated: November 18, 2025by LoanGuys.com Team

Yes! At LoanGuys.com, you can absolutely apply even if you already own multiple investment properties.
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Our loan programs — especially DSCR (Debt Service Coverage Ratio) loans — are built for portfolio investors who want to scale without traditional lending limits.

🏘️ How DSCR Loans Work for Multiple Properties

Unlike conventional loans, DSCR programs don’t cap the number of financed properties you can own.

That means you can keep expanding your portfolio without worrying about hitting a maximum property count.

Traditional lenders often limit investors to 10 financed properties, but with DSCR loans, there’s no hard cap — as long as each property qualifies on its own.

💡 Qualification by Property

Each property is evaluated individually based on its cash flow performance (DSCR ratio):

DSCR = Monthly Rent ÷ Monthly Mortgage Payment

If each property’s income covers its debt, you can qualify for multiple DSCR loans simultaneously.

Property

Monthly Rent

Mortgage Payment

DSCR

Eligible

Property 1

$2,500

$2,000

1.25

✅

Property 2

$3,200

$2,800

1.14

✅

Property 3

$1,800

$2,100

0.86

❌

⚙️ How Portfolio Loans Work

For investors with 5+ properties, portfolio DSCR loans allow you to combine multiple rentals into one larger loan package.

This makes management and financing more efficient.

Key Benefits:

  • One approval for multiple properties

  • Streamlined closing process

  • Easier future refinancing

  • Consolidated reporting and payments

Portfolio financing is ideal for investors with 5 or more cash-flowing properties who want simplicity and long-term leverage.

📋 What You’ll Need

To apply with multiple properties, gather the following:

  • Property addresses and current loan statements

  • Recent rent rolls or leases

  • Estimated property values (appraisals or comps)

  • Ownership structure (LLC, personal, or mixed)

Your advisor will help structure the loans — individually or combined — based on your goals and DSCR ratios.

🧠 Pro Tips for Multi-Property Investors

  • Use separate LLCs for liability protection (if applicable).

  • Keep rent deposits in dedicated property accounts — it helps with income verification.

  • Maintain consistent recordkeeping for leases and operating expenses.

  • If refinancing, prioritize your highest-rate properties first.

Whether you own two rentals or twenty, LoanGuys.com can help you structure financing that scales with your portfolio — all while keeping your approvals fast and flexible.

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