Rental Portfolio (5 Plus Properties)
One loan for multiple properties.
Who Its Best For?
- Investors acquiring five or more properties under one loan.
- Clients consolidating existing mortgages into a single payment.
- Portfolio owners seeking simpler financing and more scalability.
- Investors building long-term rental holdings.
What It Does
Rental portfolio loans consolidate multiple properties into a single loan with one monthly payment and customized terms. They make it easier to manage larger portfolios and free up capital for new acquisitions. These loans are ideal for investors who have outgrown individual property financing and want a more efficient structure.
Why It Matters
As portfolios grow, managing multiple loans and lenders becomes more complicated. Portfolio loans simplify the process and improve scalability. They also allow investors to leverage portfolio-level equity for future deals, reduce monthly payments, and negotiate better terms based on the total asset pool. The benefits include:
- One loan for multiple properties.
- Easier portfolio management and simplified payments.
- Access to portfolio-level equity for new acquisitions.
- Terms customized to your strategy and growth plan.
Key Benefits
- Loan amounts from $500,000 to $50 million.
- Finance 5+ properties under one loan.
- Streamlined underwriting and simpler payments.
- Access to portfolio-level equity for growth.
- Nationwide lending.
Example Scenario
An investor owned three properties and was acquiring eight more. Qualifying for traditional financing on each new property was increasingly difficult and time-consuming. We structured a portfolio loan that financed all eight new acquisitions under one facility with a single monthly payment. The investor closed faster, simplified management, and retained flexibility for future acquisitions.
FAQ
What is the minimum property count?
Typically five, but exceptions may be made for high-value assets.
Can I include existing properties?
Yes. We can consolidate current loans into one.
Are blanket loans recourse or non-recourse?
Both options are available depending on structure.
Can I release individual properties?
Yes. Release provisions can be structured as part of the loan.
Can I add more properties later?
Yes. Portfolio expansion options are often available.
