How many properties make a 'portfolio'?

It varies by partner — some define a portfolio at a handful of properties, others more. We'll confirm during your review.

Is portfolio financing one loan or several?

It can be either — a single facility or coordinated individual loans. Structure depends on the partner.

Can I include properties with existing loans?

Often yes, subject to payoff or subordination. Existing debt is part of the review.

Does portfolio financing require an entity?

Many partners prefer lending to an LLC or portfolio entity; requirements vary.

Can I access equity across the portfolio?

Yes, accessing aggregated equity is a common goal. Availability depends on values and existing debt.

How is qualification assessed?

Partners look at aggregate cash flow, occupancy, and equity across the portfolio, plus your experience.

Investor Funding

Rental Portfolio Financing

Financing across multiple held rental properties.

Rental portfolio financing covers multiple rental properties under a single facility or coordinated structure, rather than financing each property individually. It suits investors who've built a portfolio and want efficiency, cross-collateralization, or a way to access aggregated equity. Terms and structures vary widely by partner.

Explore Portfolio Financing Help Me Find the Right Fit Call 877-315-5729

Minimum Requirements & Program Details

These are starting requirements for selected programs. Availability and final terms depend on the funding partner and underwriting. Other options may be available. Meeting a minimum does not guarantee approval.

Rental Portfolio Program

Reveal partner channel

Minimum loan: Requirements vary by program—request a funding review
Minimum credit: Requirements vary by program—request a funding review
DSCR / coverage: Assessed on aggregate portfolio cash flow
Term / structure: Single facility or coordinated individual loans
Leverage: Based on aggregate portfolio value and equity

Availability and final terms depend on the funding partner and underwriting. If a requirement is unresolved for your situation, we'll note it as program-specific and confirm it during your review. Other options may be available.

Common uses

Refinancing several rentals together
Accessing equity across a portfolio
Simplifying multiple individual loans
Scaling a held rental portfolio

When it fits

You hold multiple rental properties
You want efficiency over per-property loans
Your portfolio has stable occupancy and cash flow

Consider instead

How it generally works

1You provide details on the properties, rents, and existing debt.
2A partner structures financing across the portfolio.
3Structures range from a single facility to coordinated individual loans.
4Cash flow across the portfolio supports repayment.

Factors funding partners may consider

Aggregate cash flow and occupancy
Property mix, locations, and condition
Existing debt and equity across the portfolio
Your experience and reserves

Documents to prepare

We provide the exact checklist for your program after reviewing your request — you don't need to order an appraisal or gather everything before reaching out. Initial review items help us assess fit; additional underwriting & closing items are requested only once a partner program is confirmed. Sensitive documents are handled through our invitation-only secure process — never on the public intake.

Initial Review

Rent roll across all properties
Property details and current values
Existing loan statements

Additional Underwriting & Closing

Entity documents
Trailing operating statements across the portfolio

Curious whether this fits your situation?

Request a review — we'll confirm fit and suggest alternatives if another product suits you better.

Explore Portfolio Financing

Illustrative scenario

An investor with several rentals refinances them into a coordinated structure, simplifying payments and accessing aggregated equity. Actual structure depends on the partner and portfolio.

How it compares to related products

vs. Single DSCR Loan

Portfolio financing covers multiple properties at once; a DSCR loan covers one.

Learn more

vs. Cash-Out Refinance

Cash-out accesses equity on one property; portfolio financing spans many.