When one lender says you own enough houses.
Portfolio loans across Maryland, Virginia, Washington DC, North Carolina and Florida, from our office in Fulton, Maryland.
Agency lending caps how many properties you can finance. A portfolio facility does not think that way.
Applications go out without your personal information attached. You decide who sees it in full.
100+ Lenders
Approval Within 24 Hours
30+ Years of Mortgage Experience
No Credit Pull • No Obligation
A portfolio loan is usually right if this is you
| YOUR SITUATION | WHY THIS LOAN FITS | GO TO |
|---|---|---|
| You have hit a lender’s property limit | The most common trigger, and it surprises investors who have never been declined before | DSCR loans → |
| You own several properties already | Financing them together is usually simpler than managing separate loans | LLC lending → |
| You want to release equity across the portfolio | One facility can do what several refinances would | Cash out refinance → |
| You are buying several at once | A package purchase suits a package loan | Multi-family → |
| You hold everything in entities | Standard at this level, and portfolio lenders expect it | LLC lending → |
One application. Better options. Simple process.
One simple application gives us what we need to explore the right mortgage options for your unique situation.
1
Submit the documents
Upload the required documents so we can review your application and move your loan forward.
2
We Shop 100+ Lenders
We compare lenders and find the loan options that fit your situation.
3
You Choose. We Close
Pick the option that works for you. We handle the process from underwriting to closing.
What a portfolio file needs
A schedule of the properties
Addresses, values, rents and existing debt on each.
Rent that covers
As with DSCR, the properties have to carry the borrowing.
Entity structure, usually
Portfolio lending is generally written to companies rather than individuals.
A credit history for the guarantors
The people behind the entity still get looked at.
Reserves
Larger portfolios attract larger reserve expectations.
A lender that does this
A specialist market. Very few retail names operate in it.
No rates or figures here on purpose. Yours depend on your credit, the county and the program. A licensed loan officer gives you real numbers on the call.
What to watch for, and we will not bury it
The properties become linked
A portfolio facility ties them together. Selling one is no longer a standalone decision, so understand the release terms first.
Terms are less standardised than anything else here
There is no agency rule book. Two lenders can structure the same portfolio very differently.
Exit planning matters more than pricing
How you unwind or refinance the facility later is worth more attention than a small difference in cost today.
Nadeem Bhatti
Where we place portfolio loans
Maryland
Virginia
Washington DC
North Carolina
Florida
Texas
We are a mortgage company serving these areas. We do not keep a branch in each one. Every mortgage loan is worked from 8115 Maple Lawn Blvd, Suite 350, Fulton, Maryland.
What portfolio investors ask first
How many properties do I need?
Fewer than most people assume. Portfolio lending usually becomes relevant once a single lender will not take any more of your loans.
Are the properties cross-collateralised?
Frequently, yes. That is the trade for the flexibility, and it makes the release terms the most important part of the agreement.
Can I sell one property later?
Usually, under release terms agreed at the outset. Get those terms right at the start rather than negotiating them under pressure.
Do I need an LLC?
Generally yes. Most portfolio lenders write to entities rather than individuals.
Is it more expensive than individual loans?
Sometimes, but it is often the only route once you pass agency limits, and the administrative saving is real.
Bring us the whole portfolio
Send us the schedule of what you own and what you are buying. We will structure it as one problem, free.