Rental Portfolio Loans
Consolidate multiple rental properties under one loan — from $500K to $50M+.
Loan Size
$500K – $50M+
Term
Up to 30 years
Leverage
75% purchase / 70% cash-out
Minimum
5+ properties
Overview
Stop managing a dozen individual loans with different servicers, rates, and maturity dates. Our portfolio program consolidates five or more rental properties into a single loan with one payment, one rate, and one point of contact. Qualified at the portfolio level on aggregate DSCR, so weaker-performing properties can be offset by stronger ones in the same pool.
One Loan, Many Properties
Consolidate 5 to 100+ properties into a single blanket loan. One closing, one payment, one servicer — dramatically simplified debt management.
Flexible Structures
Fixed rate, hybrid ARM, and interest-only options available. Choose the structure that matches your portfolio's cash flow profile and hold period.
Unlock Equity
Cash-out refinance at up to 70% of aggregate portfolio value. Redeploy capital into new acquisitions without selling performing assets.
Scale Nationwide
Properties can span multiple states and markets within a single portfolio loan. No geographic concentration requirements.
Instant Estimate
Planning estimate only. Final terms depend on experience, credit, and project metrics.
How It Works
Provide Portfolio Details
Submit a rent roll and property schedule for all assets you want to include. We evaluate the portfolio as a whole, not each property in isolation.
Consolidate Under One Loan
We structure a single blanket loan with aggregate DSCR qualification, release provisions, and terms tailored to your portfolio's profile.
Close with Flexible Capital
One closing, one set of docs, one payment going forward. Use cash-out proceeds to grow or reinvest as you see fit.
Good Fit For
Portfolio Consolidation
Replace multiple individual loans with different rates, terms, and servicers with a single blanket loan — one payment, one maturity, one relationship.
Scaling Investors
Acquiring properties faster than you can individually finance them? Our portfolio program lets you bundle acquisitions and close efficiently at scale.
Multi-Market Operators
Properties spread across different states and metros? Consolidate your geographically diverse holdings under one loan without market restrictions.
Key Details
- Minimum 5 properties per portfolio — no maximum
- DSCR qualification at the aggregate portfolio level
- Cross-collateralized blanket lien with release provisions
- Mix of property types allowed within a single portfolio
- Fixed rate and hybrid ARM options up to 30 years
- Release provisions available for individual property sales
- Entity borrowers required for portfolio-level lending
Eligible Property Types
Ideal Borrower
Investors with five or more rental properties looking to consolidate individual loans into one efficient structure. Ideal for scaling operators who want to reduce administrative complexity, improve cash flow management, and unlock equity across their holdings.
Frequently Asked Questions
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