Is this a full loan application?

No. This is a short pre-qualification request, not a TILA/RESPA loan application. It does not ask for a Social Security number, date of birth, or personal income, and submitting it is not an offer of credit.

How fast will a loan officer respond?

A licensed loan officer reviews each scenario and typically responds the same business day with the documents needed to move forward.

Do you lend on owner-occupied homes?

No. Simply Approved Mortgages arranges business-purpose loans on non-owner-occupied investment property only.

Get pre-qualified

Start your investor scenario review.

Takes about 60 seconds — just your property basics and contact info. A licensed loan officer reviews your scenario, typically the same business day. No obligation.

Start My Approval See Today's Rates

Important disclosures

No obligation. No guaranteed approval. This is a request for pre-qualification for business-purpose investment property financing only and is not a commitment to lend or an offer of credit. Any rates, payments, loan amounts, terms, or other figures shown are estimates only and may change. Final eligibility, rates, terms, and approval are subject to a completed application, credit and property review, appraisal where required, verification of information, lender requirements, and full underwriting.

Investor pre-approval

Get your personalized investor loan quote

Pick the loan type that fits your deal and complete a short, tailored pre-qualification. A licensed loan officer follows up with an initial scenario review once we have your credit authorization and supporting documents — usually the same business day. Formal pricing and terms follow underwriting.

Loan type: Portfolio rental loan

Tell us about your scenario

The form below is tailored to Portfolio rental loan — only the questions your program needs.

Your scenarioScenario

Your contactContact

Results & fine-tuneResults

Step 1 of 3 — your deal and numbers. No contact details yet.

Which state is the property in? *

Your deal — the basics

Consolidate multiple rentals under one loan with a shared amortization.

What's your goal?

Purchase price ($)$450,000

Down payment (%)20%

Purchase contract executed?

Monthly rent ($)$2,800

HUD Fair Market Rent for your ZIP — ballpark only. Get a precise market rent after you submit.

Estimated credit rating

Your best estimate — final eligibility is confirmed during underwriting.

Optional — but worth 60 seconds

Fine-tune your numbers and unlock your instant pre-assessment.

Everything below is optional. The more you share, the more accurate your DSCR, LTV and pre-qualification result on the next step — and the faster your loan officer can quote you.

Consolidate multiple rentals under one loan with a shared amortization.

Listing URL — optional

If you paste a Zillow, Redfin, Realtor.com, or MLS URL we'll auto-fill price, address, city, state, and ZIP. You can leave this blank and enter the property details manually.

I don't have a property address yetStill shopping? No problem — we'll pre-qualify you on your target numbers and the state you selected.

Property address — optional

CityStateZIP

Type the address — or paste a listing URL above and we'll fill it in for you. We use it for a precise property value and rent estimate after you submit.

Loan amount

$360,000

Down payment

$90,000

Loan term

We're using typical local estimates for now — open this only if you want the pre-check to use your exact numbers.

Portfolio specifics

Number of doors6 doors

doors

This scenario has real hurdles — talk to us about options.

Estimated DSCR: 0.89

Estimated LTV: 80%

Doors in portfolio6

Your credit tier (700-719) meets the Portfolio rental loan minimum but is tight — pricing improves at the next tier.

Loan-to-value 80% exceeds the Portfolio rental loan cap of 75%.

Estimated DSCR 0.89 is below the Portfolio rental loan floor of 1.15.

Credit & pre-approval

Why we pull credit for your investor loan pre-approval

Every DSCR / business-purpose loan file needs a tri-merge credit report so we can verify identity, price your rate tier accurately, and confirm reserves and payment history for the underwriter. Cleaner credit typically unlocks a better rate and higher leverage.

Pay for your credit report — SmartPay

Simply Approved Mortgages uses MeridianLink SmartPay to securely collect the credit report fee for your investor pre-approval. Payment goes directly to the credit vendor — not to us — and unlocks your tri-merge report (Equifax, Experian, TransUnion) so your loan officer can price your file.

Secure, PCI-compliant checkout hosted by MeridianLink
Required for a formal investor pre-approval decision
Soft-touch process — your loan officer will guide you through it

Pay for credit report securely

You'll be redirected to cic.cra.xedalink.net (SmartPay).

Check your credit first — $1 trial at MyITINCredit

Before you apply, it's smart to know exactly where your credit stands. MyITINCredit offers a $1 trial for 15 days that includes all three credit reports and scores (Equifax, Experian, TransUnion), plus ongoing credit monitoring so you can catch errors, dispute inaccuracies, and watch for identity theft.

See all 3 bureau reports & scores before your lender does
Ongoing monitoring alerts you to new accounts or score changes
Fix errors early — cleaner credit can widen your investor loan options

Start $1 / 15-day trial

You'll be redirected to myitincredit.com. Third-party service — terms apply.

Credit report fees are paid directly to the credit vendor. Simply Approved Mortgages does not profit from the credit pull. MyITINCredit is an independent third-party service; pricing, terms, and features are set by that provider.