The Fifth One Is Where Banks Stop.
Agency financing limits how many properties you can have financed at once. Investor programs count them differently.*
You did not get worse. The rulebook ran out.
Most investors hit a wall not because a deal failed but because a counter reached its limit.
- Agency financing applies a maximum number of financed properties*
- Agency reserve requirements rise with the number held*
- Investor programs apply their own property and balance limits*
- One program asks no additional reserves for extra properties*
- Entity vesting is accommodated*
- Non-owner occupied and for a business purpose*
Financing when you already own several financed properties*
Agency financing applies a maximum number of financed properties*
Reserves rise as the number of financed properties rises on agency files*
Investor programs apply their own property and balance limits instead*
One program we place asks no additional reserves for extra financed properties*
Non-owner occupied and for a business purpose*
What is the Saxton Portfolio Investor Loan?
Financing built for the borrower who already owns several rentals
Agency guidelines cap the number of financed properties a borrower can hold, and they raise the reserve requirement as that number climbs. Plenty of capable investors run into that ceiling while every individual property is performing.
Two things decide this one: how many properties you already have financed, and how they are held. Both are counted before your credit is.
Investor programs handle it differently. They apply their own limits on financed properties and on total balances rather than the agency counter, and at least one asks for no additional reserves as the count rises. Which one fits depends on how many you hold and how they are held.*
Why choose the Saxton Portfolio Investor Loan?
Built for investors the agency counter stopped rather than the deal.
The Counter Ran Out
Agency financing applies a maximum number of financed properties. Past it, the answer is no regardless of the property.*
Reserves Climb On Agency
On agency files the reserve requirement rises with the number of financed properties you hold, which quietly stops people earlier than the cap does.*
No Extra Reserves Here
At least one investor program we place asks for no additional reserves for further financed properties.*
Counted By Balance Too
Some programs measure not only how many properties you hold but the total balance across them.*
Entity Vesting
Holding property through a company is normal at this stage and is accommodated on the investor programs.*
Business Purpose Only
These loans are non-owner occupied and for a business purpose. Your own home runs on a different product.*
Hear From Homeowners Like You
Frequently Asked Questions
Straight answers about financing when you already own several properties.
On agency financing there is a published maximum, and it applies regardless of how well each property performs. Investor programs set their own limits instead, which is usually why people move across.*
Most often because a counter reached its limit rather than because anything was wrong. That is a rulebook outcome, not a judgment on you or the property.
They count differently. Rather than the agency maximum, they apply their own limits on the number of financed properties and sometimes on the total balance across them.*
On agency files, yes, and the requirement climbs as the count rises. At least one investor program we place asks for no additional reserves for further financed properties.*
Yes. Holding through a company is normal at this point and the investor programs accommodate entity vesting, with the individuals behind the entity still reviewed.*
No. These are non-owner occupied and for a business purpose. A home you live in runs on an entirely different product.*
How many properties you already have financed, how they are held, and the total balance across them. Those three answers decide the route before anything else does.
Find out what you qualify for
If a lender stopped you on a counter rather than on a deal, there is likely a Saxton Portfolio Investor Loan that fits. Get a fast, no obligation pre-qualification today.
Get Pre-Qualified*Loan amounts, rates, terms, and down payment requirements are subject to credit approval, income and asset verification, and program eligibility. Limits on the number of financed properties, total balances and reserve requirements vary between agency guidelines and individual investor programs. All loans on these investor programs are non-owner occupied and for a business purpose. Not all applicants will qualify. Saxton Mortgage, LLC is an Equal Housing Lender.