How many properties do I need for a portfolio loan?

Five or more rental properties or units. Below that threshold, each property is financed individually on the rental DSCR loan, which runs on 30 or 40 year fixed terms at up to 80% LTV from 6.50% and allows first time investors.

What terms are available?

Four fixed options: 5, 7, 30 or 40 years. The card names four different term options as a benefit precisely because a portfolio owner matches the debt to the plan rather than taking whatever maturity is offered.

Can I combine my existing loans into one?

Consolidating debt is one of the three published uses on this card, along with unlocking existing equity and purchasing new rental properties. Consolidate multiple loans into one is listed directly as a benefit.

Do I need landlord experience?

Yes, landlord experience is required on this card. So it is on the multifamily term loan. The rental DSCR loan is the rental product that states first time investor OK.

How large can a portfolio loan be?

The loan amount on a portfolio is set by the pool rather than published as a ceiling. Leverage is up to 80% LTV and rates run from 6.50% to 9.99% on the Non-QM tier.

Rental Portfolio Loans for 5+ Units

FIVE LOANS BECOME ONE

Tropical pool house lit at night — RENTAL PORTFOLIO LOANS RENTAL PROPERTY LOANS · FUNDED FROM SAN DIEGO

RENTAL PORTFOLIO LOANS RENTAL PROPERTY LOANS · FUNDED FROM SAN DIEGO

An investor with nine rentals usually has nine loans, nine maturity dates, nine insurance binders and nine servicers. The portfolio loan collapses that into one instrument. The card is explicit about the three things it is for: unlocking existing equity, consolidating debt, and purchasing new rental properties, all against a pool of five or more properties or units.

The published terms are fixed at 5, 7, 30 or 40 years, up to 80% LTV, with rates from 6.50% to 9.99% on the Non-QM tier. Four term options is not a small detail on a portfolio: it is how an owner matches the debt to the plan, taking five years when a sale is coming and thirty or forty when the intention is to hold and let the rents grow into the payment.

Landlord experience is required on this card, and the requirement is reasonable rather than obstructive, since an owner already running five doors has it by definition. Property types are SFR, condos and townhomes, 2-4 units and multifamily, and the credit floor is 620. The card describes the result plainly: a long term loan on a stabilized multifamily property, competitive rates, quick closings and high LTV.

Fixed rate loan on a portfolio of 5+ rental properties or units. The Rental Portfolio loan offers access to long-term financing for investors to unlock existing equity, consolidate debt or purchase new rental properties.
Loan Goat, on rental portfolio loans

HOW IT DIFFERS FROM THE OTHER RENTAL PRODUCTS

The portfolio loan is the consolidation instrument. DSCR finances one asset at a time over thirty years; the multifamily term loan finances one multifamily, condo or mixed-use building; this one finances the pool.

RENTAL DSCR LOANS
One property on the same published terms, with first time investors allowed.

FROM 6.50% TO 9.99% NON-QM · LTV 80% · 5, 7, 30 AND 40 YEAR FIXED
MULTIFAMILY TERM LOANS
A single multifamily, condo or mixed use asset on the same published terms.

FROM 6.50% TO 9.99% NON-QM · LTV 80% · 5, 7, 30 AND 40 YEAR FIXED
MULTI-FAMILY LOANS
2 to 200 unit apartment buildings in metros of 250K+ population, on the commercial program at up to 70% LTV from 7.90%.

FROM 7.90% PRIVATE, 6.00% INSTITUTIONAL · LTV 70% · 1, 2, 3 AND 15 YEAR
SMALL BALANCE BRIDGE LOANS
Short-term capital while a pool is assembled or repositioned: up to 75% LTV over one or two years to $25,000,000.

FROM 9.00% TO 13.00% · LTV 75% residential, 70% commercial · 1 OR 2 YEARS

RENTAL PROPERTY LOANS: PUBLISHED TERMS

Every figure below is the one printed on that product's live terms card. Rates and pricing are subject to change and are not a commitment to lend.

Published terms per product in this program
Product	Rates	LTV Up To	Terms
RENTAL DSCR LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed
RENTAL PORTFOLIO LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed
MULTIFAMILY TERM LOANS	6.50% to 9.99% Non-QM	80%	5, 7, 30 and 40 year fixed

Modern multifamily apartment building at blue hour

WHO IT IS FOR · 02

WHO THE PORTFOLIO LOAN IS FOR

Landlords with five or more rental properties or units who are carrying several separate loans, or who want to release trapped equity across the pool to buy the next asset.

Minimum credit score 620
SFR, Condo/Townhome, 2-4 Units, Multifamily
Borrower experience: landlord experience required
Five or more rental properties or units
Up to 80% LTV, fixed 5, 7, 30 or 40 year terms

Aerial view of San Diego rooftops toward the bay

OUR PROCESS · 03

HOW A PORTFOLIO LOAN CLOSES

The four steps, applied to a pool: the documentation step carries the rent roll, the leases and the existing debt across every property, and the Letter of Intent fixes the structure before the payoffs are ordered.

Complete your application
Submit required documentation
Sign your Letter of Intent
We process and close your loan in 5-7 days

PROPERTY TYPES ON THIS PRODUCT

Four classes on the card, which is what lets a mixed pool of houses and small apartment buildings sit inside one loan.

SFR
Condo/Townhome
2-4 Units
Multifamily

RENTAL PORTFOLIO LOANS: QUESTIONS

Portfolio files are written from San Diego across San Diego, Orange County and Los Angeles, and in every state where Loan Goat lends. See where we lend.

RENTAL PORTFOLIO LOANS