Finance Your Entire Portfolio with One Loan
Stop juggling multiple lenders and loans. Our portfolio loan program lets you finance 5+ rental properties under one loan with one payment and one closing.
Key Benefits
Why Portfolio Loans Make Sense
As your rental portfolio grows, managing multiple loans from multiple lenders becomes a headache. Different due dates, different servicers, different renewal timelines—it adds up to administrative chaos.
Our portfolio loan program solves this by consolidating your properties under one loan with one payment and one renewal.
How Portfolio Loans Work
Blanket Lien Structure
All properties in the portfolio serve as collateral for the loan. This creates efficiencies in underwriting and servicing that we pass on to you in better rates and terms.
Portfolio DSCR
We calculate DSCR across all properties combined. This means strong performers can offset weaker ones, often resulting in better qualification than individual loans.
Release Provisions
Need to sell a property? No problem. Our release provision allows you to remove properties from the portfolio by paying down a portion of the loan.
Benefits of Consolidation
- Simplified Management: One payment, one servicer, one relationship
- Better Terms: Portfolio loans often offer better rates than individual loans
- Flexible Structure: Add or remove properties as your strategy evolves
- Tax Efficiency: Work with your CPA on potential benefits of portfolio structuring
Who Should Consider a Portfolio Loan?
- Investors with 5+ rental properties
- Those tired of managing multiple lender relationships
- Investors looking to access equity across their portfolio
- Those planning to scale and want infrastructure in place
Ideal Use Cases
Frequently Asked Questions
Yes, our release provision allows you to sell individual properties. You'll pay down the loan by the release amount (typically 115-125% of allocated value).
Portfolio loans look at overall DSCR across all properties. One vacancy typically won't impact qualification if the portfolio performs well overall.
Portfolio Consolidation Success
Investor consolidated 12 properties from 8 different lenders into one portfolio loan, reducing monthly admin time and saving $3,200/month in payments.
Program Details
What You'll Need
- Minimum 5 income-producing properties
- Current rent rolls for all properties
- Property inspection or recent appraisals
- Portfolio schedule with property details
- Entity borrower required
Ready to Get Started?
Our team specializes in DSCR Rental Portfolio Loans. Let us help you find the right solution for your needs.