Consolidate up to 10 rental properties under a single loan: one closing, one payment, one set of documents. Built for investors whose portfolios have outgrown managing a stack of individual mortgages.
A portfolio loan, sometimes called a blanket loan, finances several rental properties under one note secured by all of them. Instead of ten mortgages with ten payments and ten sets of escrows, you have one loan and one relationship.
The operational relief is real, but the strategic reason investors do this is capital. A portfolio refinance can pull equity out of properties whose combined value has grown well past their combined debt, and it does it in one underwriting cycle rather than ten.
There are tradeoffs, and we would rather you hear them from us. Cross-collateralized debt makes selling one property a conversation with your lender, and the release terms matter as much as the rate. We walk through both before you sign.
You've accumulated properties one at a time and the administrative drag is now the problem.
Combined equity has grown. A portfolio refinance turns it into the down payments on your next acquisitions.
Several loans with different terms, servicers, and maturity dates, folded into one structure you can actually track.
| Properties per loan | Up to 10 rental properties |
|---|---|
| Property types | Non-owner-occupied residential and small multifamily |
| Qualification | Portfolio-level rental income against the consolidated debt |
| Loan purpose | Refinance or cash-out refinance; acquisition of multiple properties in some cases |
| Vesting | Commonly held in an LLC |
| Pricing | Quoted per deal — ask for current terms |
Program parameters and pricing are set per deal and subject to change. Send us the property and we will put real terms in writing rather than quoting a range that moves.
Addresses, current rents, values, and existing debt. One spreadsheet starts the file.
We review combined income against combined debt, plus the condition and concentration of the assets.
A single quote with conditions and release provisions spelled out in plain language.
All properties close together. One payment going forward, and equity freed for the next deal.
Every funded borrower gets a seat in the Borrowers Circle: in-person masterminds, monthly AI workshops, the December couples retreat, and the Education Vault — 200+ hours of training, models, and templates. No membership fee, no application, and none of it priced into your rate.
A single loan secured by multiple rental properties. It replaces several individual mortgages with one note, one payment, and one underwriting process, and it's qualified on the portfolio's combined rental income.
Up to 10 rental properties in one loan. If your portfolio is larger, we'll talk through how to group them sensibly rather than forcing everything into one structure.
Yes. Cash-out refinancing is one of the most common reasons investors consolidate, particularly when combined equity has grown faster than combined debt.
That's governed by the loan's release provisions, which is why we go through them before closing. Selling a cross-collateralized property is possible, but it's a defined process rather than a simple listing.
Qualification is driven by the properties' rental income, not your personal income documentation. We verify entity documents, reserves, and title as usual.
In some cases, yes. Send us the acquisition list and we'll tell you whether one loan or several is the better structure for what you're doing.
Quotes come from people who invest for a living, not a call center. If the deal doesn't work, we'll tell you that too.