Financing Solutions
Designed for Multiple Properties
Manage multiple properties easily with flexible portfolio loans.
Streamline your investments with a single portfolio loan that lets you manage multiple properties with ease.
Investment
What is a
Portfolio Loan?
A portfolio loan is a mortgage held by the lender in their portfolio rather than sold on the secondary market.
This gives lenders the flexibility to offer terms that traditional loans can’t, making portfolio loans perfect for:
-
- Investors with multiple properties
- Borrowers with unique income structures
- Real estate owners seeking flexible underwriting and terms
Benefits: Portfolio loans allow lenders to look at the overall value and cash flow of your property portfolio rather than focusing solely on a single property or borrower’s personal income.
Quick Benefits
- Flexible Underwriting
- Simplified Management
- Faster Approvals
- Ideal for Real Estate Investors
- Flexible Terms & Rates
- Maximize Leverage
- Customized Financing
Frequently Asked Questions
What is the main advantage of a portfolio loan?
Can I include multiple properties under one loan?
How fast can I close?
Closings are typically faster than conventional loans because underwriting is done in-house.
Are portfolio loans only for investors?
While ideal for investors, portfolio loans can also help property owners with non-traditional income or unique circumstances.
Can I refinance or grow my portfolio using this loan?
Absolutely. Many clients use portfolio loans to access equity, refinance, or acquire additional properties.
What are the typical terms?
Terms vary based on your portfolio, cash flow, and lender policies, but we offer flexible amortization, interest rates, and repayment schedules.
Loan Programs
DSCR Loans
Qualify on the property's cash flow, not your tax returns. No personal income documentation. Up to 80% LTV. 30-year fixed, ARM, and interest-only options. Vesting in LLC, LP, or personal name accepted. Rates from 6.25%.
Bridge Loans (Fix & Flip)
Fast, short-term financing for fix-and-flip projects. Close in 5 days. Up to 100% of rehab costs financed. 4-day draw processing.
Portfolio Loans
Consolidate five or more rental properties into a single loan. One payment, one closing, one set of conditions. Lower rates and origination fees than financing each property separately.
Hard Money / Asset Based
Loan decisions made on the property, not the credit report. Pure asset-based underwriting with rapid close. For time-sensitive acquisitions and complex situations. Rates from 8.5%.
Commercial Real Estate
Multifamily 5+, mixed-use, office, retail, and industrial. Acquisition, refinance, and value-add financing. Bridge-to-perm structures available. Loan amounts from $250,000 to $25,000,000+.