Flexible Financing for Multiple Investment Properties
Portfolio loans are designed for real estate investors who own or are acquiring multiple properties and need financing that goes beyond traditional mortgage limits. These loans are typically held by lenders rather than sold to agencies, allowing for more flexible underwriting and customized solutions.
At MORTGAGEinc, we specialize in portfolio loans. These are commonly used by investors looking to consolidate financing, scale their portfolios, or finance properties that do not fit standard guidelines.
What Is a Portfolio Loan?
A portfolio loan is either A) a mortgage that is kept on a lender’s balance sheet instead of being sold to Fannie Mae or Freddie Mac. Or B) a loan designed to house multiple properties into one mortgage, also known as a blanket mortgage. Because these loans are not subject to strict agency rules, they offer increased flexibility in structure, documentation, and property types.
Portfolio loans may be used to finance:
- Multiple investment properties under one loan
- A group of rental properties held by the same borrower or entity
- Unique or complex investment scenarios
Who are Portfolio Loans Are Best For?
- Investors with multiple financed properties
- Borrowers who have reached conventional loan limits
- Portfolio landlords and long-term rental owners
- Investors purchasing or refinancing properties in an LLC or other entity
- Borrowers seeking to simplify multiple mortgages into one loan for the peace of mind on managing their portfolio.
Common Portfolio Loan Features
Portfolio loan terms vary by program and investor profile, but may include:
- Financing for multiple properties under one loan, or even multiple loans across numerous properties
- Flexible underwriting guidelines
- LLC and entity ownership allowed
- Typically no income is required as the DSCR format is applied to these loan(s)
- Fixed or adjustable-rate structures
- Purchase and refinance options
- Fully amortized or interest only, up to a 40 year term
Loan terms, rates, and requirements depend on property mix, cash flow, credit profile, and overall portfolio strength.
Why Investors Use Portfolio Loans
Investors choose portfolio loans to:
- Scale beyond conventional loan caps (typically a maximum of 10 conventional loans allowed at any one time).
- Reduce administrative complexity
- Customize loan structures for their strategy
- Finance properties with mixed performance
- Work with more flexible qualification criteria
Portfolio lending allows for a more holistic review of the investor and their assets, rather than a case-by-case basis.
Why Work With MORTGAGEinc?
MORTGAGEinc works with investors across a wide range of scenarios, including complex portfolios and entity ownership. Our team evaluates each portfolio individually and helps structure financing that aligns with the investor’s goals while remaining fully underwritten and compliant. MORTGAGEinc. Writes about 400 investment loans annually and our team is well versed in this field.
We focus on clear communication, realistic expectations, and solutions that support long-term investment strategies.
How can I Get Started?
If you’re considering portfolio financing or want to review your current investment structure, our team can help assess your options.
Need to find a property or group of properties to begin or continue to build your real estate investment portfolio? We have just the contact you need. We are partnered with SDIRA Wealth, America’s #1 Full-Service “Build to Rent” Developer. Reach out for more information info@mortgage-inc.com
Speak with an Investor Loan Specialist / Request a Portfolio Loan Review