Portfolio loans for investors with multiple properties.
A portfolio loan finances several investment properties together. Instead of managing a separate loan on each one, you can bring them under one loan built around the portfolio as a whole.
- Several properties, one loanBring multiple investment properties under a single financing structure.
- Your properties back the loanThe properties you own secure the loan.
- One loan to manageReplace a set of separate loans with a single loan to keep track of.
- We listen firstEvery business is different. We listen carefully to each owner before we make an offer.
From application to portfolio loan in three simple steps.
Apply once and bring your properties under one loan.
Share the basics
A short application and a list of the properties you want to include. Your advisor handles everything from there.
We review your file
Our capital formation experts review the properties and your plan. We listen first, then set the amount and terms with you.
Close on one loan
Sign your contract and the properties come under one loan. Your advisor explains how the loan handles selling or refinancing a single property before you sign.
What is a portfolio loan?
A portfolio loan finances an investor’s group of properties together. Several properties secure one loan, with one application and one closing in place of a separate loan on each one.
Investors use it to consolidate existing loans, to keep growing past the limits of standard single-property financing, or to finance deals that don’t fit a standard mold.
Because every property can secure the full loan, structure matters. Ask how the loan treats selling or refinancing one property while keeping the rest.
Portfolio Loans
- Secured byYour investment properties
- StructureSeveral properties, one loan
- Best forInvestors with multiple properties
- Common usesConsolidating, acquiring, refinancing
Built for investors with more than one property.
Consolidating loans, growing the portfolio, refinancing several properties at once, and deals a standard loan won’t cover.
- Consolidating separate loansBring loans with different due dates under one loan and one structure.
- Growing the portfolioFinance the next acquisition alongside the properties you already hold.
- Refinancing several propertiesRefinance a group of properties in one move instead of one at a time.
- Deals outside the standard moldProperties or situations a standard one-property loan doesn’t cover.
It’s a good fit if
- You own or are buying several investment properties.
- You want one loan in place of many.
- You want financing built around the portfolio, not each property alone.
Look at another option if
- You’re financing a single property you’ll keep. See Commercial Property Loans.
- You need short-term capital for a quick purchase or flip. See Hard Money.
- You need a short-term bridge between milestones. See Bridge Loans.
Portfolio loan FAQs.
The basics, answered honestly. For anything specific to your business or timing, an advisor is one call away.
How does a portfolio loan work?
Several of your investment properties secure one loan, with one application and one closing in place of a separate loan on each. Your advisor structures it around the portfolio as a whole.
Is this a blanket loan?
It can be. A blanket structure puts several properties under one loan, and it’s one common way to finance a portfolio. Your advisor will tell you which applies.
What if I want to sell one property?
Multi-property loans can often be set up so you sell one property and keep the rest under the loan, but it depends on the loan. Ask your advisor before you sign.
What properties qualify?
Investment real estate you own or are buying. A portfolio is normally properties, but stocks, equities and other assets can be included. Your advisor reviews the group of properties and tells you what they need to see.
What does a portfolio loan cost?
Your advisor goes over the full cost with you before you sign anything.
Do I qualify?
We weigh your properties, your experience and your plan together, not one factor alone. The fastest way to know is a short call with an advisor.
What do I need to apply?
The application and a list of the properties you want to include. Your advisor may ask for more, and tells you exactly what and why before you send anything.
Ready to bring your properties under one loan?
Tell an advisor which properties you hold and where you want to go next.
