Rental Portfolio Loans FAQ’s

Frequently asked questions

• Does a rental portfolio loan give real estate investors more options and opportunities to grow their businesses?

Yes! A portfolio loan is a much more effective way to finance groups of properties. Suppose you had ten properties you were trying to finance at once and dealing with ten separate loan files, ten underwrites and ten closings. That can be overwhelming. While the diligence is primarily the same for portfolio or single-asset rental (DSCR) loans, it can be much more efficient only to have to deal with one processor, one underwrite, and one closing versus many. 

• What are some benefits of a rental portfolio loan?

Rental Portfolio Loans combine your properties under one umbrella loan with only one payment to help make managing your growing rental business easier and more cost-effective. One payment, one servicer, one underwrite, and one closing—all of these efficiencies add up to you spending more time on real estate and less on financing. 

• Is there a limitation on the number of individual properties financed into a portfolio loan?

No, there is no limit to the maximum number of properties that can be financed in a portfolio loan. Our minimum property requirement is five or more properties. 

• Is there a cap on the number of assets, loans and dollar amounts that a portfolio lender can lend to a single borrower?

We don't have max exposure limits like you might find at a local bank for our portfolio loans.

• What is the maximum term of a rental portfolio loan with our funder?

Our rental portfolio loans can go up to a fully amortizing 30-year term. 

• Is a rental portfolio loan a non-recourse loan?

We offer both full recourse as well as non-recourse in some instances.

• What are some cost benefits of a rental portfolio loan?

A portfolio loan will save you money on fees. Transactionally, the fees are slightly lower on a rental portfolio loan versus financing each individually. You may be asking why. Well, we get some economies of scale from our vendors due to the bulk nature of the transaction. 

• How do I qualify for a rental portfolio loan?

You must own five or more properties and have real estate investing experience. 

• What can I expect when applying for a rental portfolio loan?

You can expect genuine white glove service from our professional team here. This includes an experienced loan officer to help you structure the deal to fit your needs, a processor to work with you on any diligence you may be required to provide, and a closing team that will help get the ball across the finish line when it's 4th and goal. 

• What if I have more questions about rental portfolio loans?

Contact our rental portfolio team with any questions. They're here to answer your questions and help you navigate your options—so you can be set up for long-term success.