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Bundle multiple rentals into one loan. Once you own 5+ rentals, refinancing each one separately turns into a part-time job.
Note: This page is a placeholder. Full long-form content for Portfolio Loans is still being drafted — send the deeper page copy when ready and we’ll swap it in.
What it actually is
Portfolio loans bundle 5+ rental properties (some programs go down to 3) into a single loan with one underwriting cycle, one closing, and one monthly statement. Once a serious investor crosses the five-property threshold, the operational overhead of refinancing each property individually starts to outweigh the small pricing edge each individual loan might offer. Portfolio loans solve that by treating the entire group of properties as a single underwrite.
Pricing typically runs slightly higher than single-property DSCR — the trade is consolidation efficiency: one closing instead of five, one set of disclosures, one payment, simpler tax-reporting structure across the bundle. Many investors use portfolio loans for both acquisition (bundling new purchases) and refinance (consolidating existing single-property loans into one note).
The basics (preview)
- Minimum property count: Typically 5+ (some programs accept 3+).
- Credit score: 660+ on most programs.
- LTV: 70-75% on a bundled refinance; 75-80% on acquisitions.
- Vesting: Personal name or LLC (LLC is most common).
- Eligible properties: 1-4 unit residential, condos, mixed-use; some programs allow small commercial in the bundle.
- Pricing: Roughly 0.25-0.75% above single-property DSCR.
Who it is built for
- Investors with 5+ rentals consolidating financing into one note
- Sponsors acquiring multiple properties at once (BRRRR exits at scale, package deals)
- Refinances cleaning up a portfolio of single-property loans into a unified structure
- Investors crossing the agency cap who want a single non-QM bundle rather than 5 separate DSCR loans
Free pre-approval. Soft credit pull. Zero hit to your score.
Before you make an offer, you need to know what the bank will actually back you on. A real pre-approval — not a quick online estimate — gives you the loan amount, the program, the rate range, and the monthly payment in writing. We pull a soft credit report (no impact to your score), review your income and reserves, and run the deal through underwriting logic so you walk into a property tour or a 1031 exchange knowing exactly what you can close on.
For investors, this matters double. Listing agents on rental properties take cash buyers and pre-approved investor offers seriously — everyone else gets passed over. Get the pre-approval first, then go shopping with leverage.
>> APPLY NOW — START YOUR PRE-APPROVAL <<
Have a scenario you want to talk through first? Reach out here.
Aleksandra Vasic — Mortgage Loan Originator, NMLS #[YOUR NMLS HERE] | True Blue Lending NMLS #2380218 | Equal Housing Opportunity. This is not a commitment to lend. All loans subject to credit approval.