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Rental Portfolio Loans

Finance more. Manage less.

One loan. Multiple properties. Portfolio rental financing that’s built to simplify, scale, and support your long-term strategy.

Rental Portfolio Terms

Built for scale. Designed for simplicity.

Managing a portfolio is complex. Financing it shouldn’t be. Xoan’s rental portfolio loans consolidate your investments under one roof—with flexible terms, simplified payments, and scalable capital that grows with you

Rate

Starting at 6.25%

Loan Amount

$150K - $20MM

Term

30 Year Fixed Rate
ARM and Interest-Only options available

Minimum FICO

680

Minimum Experience

NO prior experience required

Maximum Loan-To-Value (LTV)

Up to 80% on purchase and refi.
Up to 75% on cash-out

Minimum debt service coverage ratio (net cash flow/debt service)

1.10x

Seasoning Requirement (To Use Value Vs. Cost Basis)

180 days

Recourse

Full Recourse

Foreign Nationals

Eligible with reduced leverage

Property Types

Non-Owner Occupied

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos

Borrower Type

Entity required

Property restrictions

No vacation or seasonal rentals

Loan Purpose

Blanket loan for purchase, rate & term or cash-out refinance of 5+ rental properties

Rate

Starting at 6.25%

Loan Amount

$150K - $20MM

Term

30 Year Fixed Rate
ARM and Interest-Only options available

Minimum FICO

680

Minimum Experience

NO prior experience required

Maximum Loan-To-Value (LTV)

Up to 80% on purchase and refi.
Up to 75% on cash-out

Minimum debt service coverage ratio (net cash flow/debt service)

1.10x

Seasoning Requirement (To Use Value Vs. Cost Basis)

180 days

Recourse

Full Recourse

Foreign Nationals

Eligible with reduced leverage

Property Types

Non-Owner Occupied

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos

Borrower Type

Entity required

Property restrictions

No vacation or seasonal rentals

Loan Purpose

Blanket loan for purchase, rate & term or cash-out refinance of 5+ rental properties

Rate

Starting at 6.25%

Loan Amount

$150K - $20MM

Term

30 Year Fixed Rate
ARM and Interest-Only options available

Minimum FICO

680

Minimum Experience

NO prior experience required

Maximum Loan-To-Value (LTV)

Up to 80% on purchase and refi.
Up to 75% on cash-out

Minimum debt service coverage ratio (net cash flow/debt service)

1.10x

Seasoning Requirement (To Use Value Vs. Cost Basis)

180 days

Recourse

Full Recourse

Foreign Nationals

Eligible with reduced leverage

Property Types

Non-Owner Occupied

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos

Borrower Type

Entity required

Property restrictions

No vacation or seasonal rentals

Loan Purpose

Blanket loan for purchase, rate & term or cash-out refinance of 5+ rental properties

Rate

Starting at 6.25%

Loan Amount

$150K - $20MM

Term

30 Year Fixed Rate
ARM and Interest-Only options available

Minimum FICO

680

Minimum Experience

NO prior experience required

Maximum Loan-To-Value (LTV)

Up to 80% on purchase and refi.
Up to 75% on cash-out

Minimum debt service coverage ratio (net cash flow/debt service)

1.10x

Seasoning Requirement (To Use Value Vs. Cost Basis)

180 days

Recourse

Full Recourse

Foreign Nationals

Eligible with reduced leverage

Property Types

Non-Owner Occupied

Attached or detached SFR
2-4 unit properties
Townhomes
Warrantable Condos

Borrower Type

Entity required

Property restrictions

No vacation or seasonal rentals

Loan Purpose

Blanket loan for purchase, rate & term or cash-out refinance of 5+ rental properties

Who's it for

For serious investors with serious portfolios.

Our portfolio rental loans are designed for real estate investors managing multiple income-producing properties across one or more markets.

Operators with 5+ doors

Consolidate scattered debt into one streamlined loan with consistent terms and a single monthly payment.

Investors scaling across markets

Finance assets in different states or cities—Xoan supports cross-collateralization and multi-property closings nationwide.

Builders of generational wealth

You’re playing the long game. We are too. Our capital helps you scale sustainably while keeping your portfolio organized, optimized, and profitable.

One relationship. Limitless opportunity

Xoan was built to remove the friction from real estate finance. Our platform aggregates the best capital sources in the country—so you get the right terms, every time. With us, you're not just financing properties. You're financing your future.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

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Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

Products

Asset Types

How it works

Testimonials

Apply now

Review us

Company

About us

Careers

Insight

Blog

FAQ

Team

Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.

Leverage. Freedom.

885 Tahoe Blvd #54
Incline Village, NV 89451

Lending

Products

Asset Types

How it works

Testimonials

Apply now

Review us

Company

About us

Careers

Insight

Blog

FAQ

Team

Terms

This is not a commitment to lend. All offers of credit are subject to approval. Restrictions may apply. Xoan Inc. reserves the right to amend rates and guidelines.