Rental Portfolio Loans for 1–4 Unit Rentals

Rental Portfolio terms, upfront

These are program standards, straight from our terms sheet. Points and fees vary by deal; the leverage, loan sizes, and structure don't.

Business-purpose, non-owner-occupied only; entity borrowers (LLC or corporation) required; full recourse. Rates shown are the lowest offered and depend on borrower FICO, experience, and the deal. Points and fees vary. *Stabilized Bridge offers a no-DSCR option for properties listed for sale and a 1.10x exit-DSCR option for rent-ready properties. Not available in every state. Nothing here is a commitment to lend or an offer of specific terms; all loans subject to underwriting and approval.

Who this loan is for

Portfolio loans make the most sense once managing separate loans becomes a job of its own. They fit investors who:

• Own several rentals with different lenders, due dates, and escrow accounts, and want one loan instead.
• Want to pull equity out of several properties at once to fund the next acquisition.
• Are buying a package of rentals from another investor and want one loan on the whole thing.
• Have hit the limit on conventional financing and need a lender that looks at the properties, not their personal debt-to-income ratio.

Only have one or two rentals? A DSCR loan on each is usually simpler. Like every loan we make, portfolio loans are business-purpose, non-owner-occupied, made to an LLC or corporation, and full recourse.

What you'll need

• A property schedule: each address, unit count, what you owe, and what it's worth.
• A rent roll and leases: the portfolio needs to be at least 90% occupied.
• Operating costs: taxes, insurance, and HOA dues for each property.
• Credit: a 680 minimum FICO.
• Your entity: the LLC or corporation that holds the properties, plus a personal guarantee.
• Reserves: enough cash to ride out a vacancy or a big repair.

A worked example

One loan, one relationship

Every extra loan is another payment date, another escrow account, another servicer to call when the insurance renews. Rolling a portfolio into one loan won't make you a better landlord, but it does give you back some hours — and a clearer view of what your rentals actually earn.

It also changes the conversation with your lender. Instead of one house at a time, we look at the whole portfolio: how it performs, where the equity is, and what you're trying to build next. If you're working the BRRRR playbook, a portfolio loan can be where those refinanced rentals end up.