When one lender says you own enough houses.
Portfolio loans can help real estate investors finance multiple properties or unique investment scenarios with flexible lending options. We compare portfolio loan options across 100+ lenders to help you find the right fit for your investment goals.
We compare portfolio loan options across 100+ lenders to help you find the right fit for your investment goals.
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.
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 mortgage loan 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 your properties together completely. Selling an individual property is no longer a standalone choice, so you must understand the release terms first.
Terms are less standardised than anything else here
There is no agency rulebook. Two lenders can structure the same portfolio very differently, which is a big part of why portfolio loan financing looks so different from a standard mortgage.
Exit planning matters more than pricing
How you unwind or refinance the facility later deserves much more careful attention than worrying about a tiny 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, which is often when investors start searching portfolio loans near me for the first time.
Are the properties cross-collateralised?
Often, yes, depending on the lender and structure. This is one of the key differences covered under general portfolio loan requirements, and it is worth understanding fully before signing.
Can I sell one property later?
Usually, yes, though release terms vary by lender and should be reviewed before you close, since not every portfolio mortgage loan treats a partial sale the same way.
Do I need an LLC?
In most cases, yes. Portfolio lending is generally written to entities rather than individuals, which is part of what separates it from a standard portfolio loan vs. a conventional loan.
Is it more expensive than individual loans?
Not necessarily. Pricing varies widely by lender, so checking a portfolio loan calculator or getting real numbers from a loan officer is more useful than assuming it costs more across the board.
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.