Single-Family Rental Portfolio Loans

At Aspen Capital Solutions, we understand that single-family rental (SFR) investing has evolved from individual property acquisitions to portfolio-level strategies. Whether you own five rentals or five hundred, we provide financing structures that allow you to scale efficiently, refinance strategically, and maximize cash flow.

Our lending solutions are designed for institutional funds, regional operators, and growth-focused individual investors, giving you access to capital that matches your investment horizon — from short-term acquisition financing to long-term fixed-rate debt.

Financing Programs

• DSCR Loans (Debt Service Coverage Ratio) – Income-based underwriting using property cash flow, not personal income.
• Portfolio Loans – Blanket mortgages covering multiple SFR assets under a single loan.
• Bridge-to-Permanent Financing – Acquisition and renovation funding with a built-in path to long-term debt.
• Build-to-Rent Community Financing – Construction and take-out loans for purpose-built rental neighborhoods.
• Refinance & Recapitalization – Unlock equity from existing portfolios to fund expansion.

Ideal Borrowers We Serve

• Institutional Investors – Large-scale SFR platforms executing bulk acquisitions or recapitalizations.
• Regional Operators – Multi-market portfolios looking for operational efficiency and competitive financing.
• Small Investors Scaling Up – Transitioning from a handful of properties to a structured portfolio.

Our Approach

Financing a portfolio of single-family rentals requires a lender who understands:

• Operational Metrics – Occupancy, rent growth, turnover, and maintenance reserves.
• Market-Specific Trends – Rent comparables, absorption rates, and neighborhood dynamics.
• Exit Strategies – Long-term holds, refinances, or portfolio sales to institutional buyers.
• Capital Stack Planning – Balancing leverage, rate, and amortization to meet cash flow goals.

We pair this operational insight with our lender network to secure terms that work for both your current holdings and future acquisitions.

Why Choose Aspen Capital Solutions for SFR Portfolio Financing?

• Experience structuring loans for both small and large-scale SFR portfolios.
• Access to national lenders specializing in DSCR and portfolio debt.
• Creative solutions for transitional assets or value-add rental strategies.
• A relationship-driven process focused on speed, flexibility, and long-term partnership.

With Aspen Capital Solutions, your single-family rental portfolio isn’t just financed — it’s strategically positioned for growth, stability, and maximum return.