Rental Portfolio Loans
Rental portfolio loans are a type of real estate investment loan used to finance multiple rental properties under one loan, rather than having separate mortgages for each property.
A rental portfolio loan allows real estate investors to:
- Buy several rental properties at once, or
- Refinance multiple existing investment properties into one loan
It’s designed for buy-and-hold investors who own (or plan to own) 2 or more rental units and want to simplify and scale their portfolio.
Key Features
- Finances 2 to 20+ properties in one loan
- Often structured as a blanket loan (1 lien covers multiple properties)
- Terms typically range from 5 to 30 years
- Interest rates are usually higher than traditional home loans
- Can be recourse (personally guaranteed) or non-recourse
Benefits
- One monthly payment for multiple properties
- Easier to manage cash flow
- Can leverage equity across properties
- Helpful for investors with LLCs or business entities
- Streamlines refinancing or expansion