One loan for several properties.
Combine multiple rental properties under a single portfolio (blanket) loan — one closing, one loan, and simpler management.
- Qualify on the portfolio’s combined rental income
- Purchase a group of properties or refinance what you own
- Close in your LLC
- Talk to a loan officer who structures portfolio deals
What is a portfolio (blanket) loan?
A portfolio or blanket loan finances several properties with one loan secured by all of them. Instead of managing many separate mortgages and closings, you have one loan, one payment and one closing.
Why investors use them
- One closing and one set of costs instead of many
- Simplified payments and paperwork
- Acquire a group of properties from a seller in one transaction
- Consolidate existing loans on properties you already own
How they are underwritten
Like a DSCR loan, portfolio loans generally look at the combined rental income of the properties against the combined payment, along with credit, leverage and the properties themselves. Portfolio loans can combine up to 25 properties, with a minimum of three and a $500,000 total loan. Because every portfolio is different, we structure these case by case.
Common questions
How many properties do I need?
Portfolio loans are for multiple properties. Reach out with what you have and a loan officer will tell you whether a blanket structure fits.
Can I release a property from the loan later?
Some portfolio loans allow individual properties to be released when sold or refinanced. The details depend on the structure and are worth discussing up front with your loan officer.
Do I need tax returns?
Portfolio loans for investors are generally underwritten on the properties’ income rather than your personal income. Your loan officer will confirm what applies to your deal.
Building a portfolio? See how much further your cash goes with financing, property by property.
Own or buying multiple properties?
Tell us what you have and a loan officer will structure it.
Talk to a Loan Officer