Portfolio loans.
Multiple properties. One loan. Cross-collateralized from 5 to 500+ properties under one note. SFR portfolios, BTR communities, multifamily, mixed-CRE. Pre-vetted direct portfolio lenders on Ask Speedy. Loan range $1M to $100M+.
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Why consolidate into one loan?
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Lower closing costs. One title, one appraisal package, one closing — vs 20 separate transactions. -
Better rate. Direct portfolio lenders offer better rates on aggregated loans than individual SFR or small-balance loans. -
Streamlined refinance. Refinance the whole portfolio at once instead of property-by-property. One process, one timeline. -
Cross-collateralization leverage. Stronger properties support weaker ones. Average LTV across the portfolio may unlock financing not available individually.
FAQ
Portfolio loans, answered.
What is a real estate portfolio loan?
A portfolio loan is a single real estate loan that finances multiple properties at once, cross-collateralized under one note. Common for investors with 5+ rental properties, BTR communities, or commercial portfolios. Streamlines documentation, reduces total closing costs, and improves negotiation leverage.
How many properties can be in one portfolio loan?
Typically 5 to 500+ properties per loan. Smaller portfolios (5-20 SFR rentals) are common DSCR portfolio products. Larger (50+) are usually agency, life co, or specialized debt fund products. Loan size scales from $1M to $100M+.
What asset types qualify for portfolio loans?
Single-family rentals (SFR portfolios), small multifamily (1-4 unit and 5-20 unit), build-to-rent communities, mixed CRE, and same-asset-class commercial portfolios. Direct lenders specialize by asset type — SFR portfolio lenders, multifamily portfolio lenders, mixed-CRE lenders.
Can a portfolio loan add or remove properties?
Some portfolio structures allow substitution — adding new properties and releasing old ones with lender approval. Common in agency 5+ unit and SFR-portfolio products. Other structures are static — once closed, properties cannot be substituted without full refinance.