Rental Portfolio Loans for Real Estate Investors
Finance multiple investment properties under a single loan — streamline your portfolio, reduce closing costs, and scale faster with blanket portfolio lending.
What Is a Rental Portfolio Loan?
A rental portfolio loan allows investors to consolidate multiple rental properties into a single loan with one monthly payment. Instead of managing separate mortgages on each property, portfolio lending bundles them under one structure. This approach reduces closing costs per property, simplifies cash flow management, and allows investors to leverage their entire portfolio’s performance rather than qualifying property by property.
Portfolio Loan Program Options
DSCR Portfolio Loan
Qualify based on the combined rental income of all properties in the portfolio. No personal income verification required.
- 5–20+ properties per loan
- Combined DSCR across portfolio
- 30-year fixed and ARM options
Blanket Loan
One loan covering multiple properties with cross-collateralization. Individual property releases available as you sell or refinance.
- Partial release clauses available
- Single closing, single payment
- Reduced per-property closing costs
Cash-Out Portfolio Refi
Refinance your existing portfolio and pull equity out to fund your next acquisitions or renovations.
- Up to 75% LTV on portfolio value
- Use proceeds for new acquisitions
- No seasoning on some programs
Portfolio Loan Requirements
Minimum Properties
Typically 5+ rental properties to qualify for portfolio pricing and terms
Credit Score
660+ for most programs. Higher scores unlock better portfolio rates.
Combined DSCR
Portfolio evaluated on aggregate DSCR — strong performers offset weaker properties
Loan Size
$500K to $10M+ depending on portfolio size and lender
Property Types
SFR, 2–4 unit, condos, townhomes. Mixed portfolios accepted by many lenders.
Entity Vesting
LLC, LP, or corporation required for most portfolio programs
Portfolio Loans vs. Individual DSCR Loans
Understanding when to consolidate vs. keep separate mortgages.
Portfolio Loan
- One closing for multiple properties
- Lower per-property closing costs
- Single monthly payment
- Aggregate DSCR can offset weak performers
- Ideal for 5+ property investors
Individual DSCR Loans
- Each property financed separately
- Sell or refinance one without affecting others
- No cross-collateralization risk
- Simpler structure per property
- Better for 1–4 property investors
Explore Related Programs
Ready to Consolidate Your Rental Portfolio?
Submit your portfolio details and we’ll structure the most efficient financing across your properties.
Investment property only. Not a bank. Not a direct lender. NMLS #2484887.