What is Rental Portfolio Loans?
Rental portfolio loans are designed for real estate investors who own or are acquiring multiple rental properties and want to consolidate them under a single loan or finance their portfolio growth efficiently. These loans use portfolio-based underwriting that evaluates the combined performance of all properties rather than individual property analysis.
At Roxford Holdings, our rental portfolio loan program allows investors to finance 4 or more properties under streamlined documentation requirements. By evaluating your entire portfolio's cash flow rather than each individual property, we can provide faster approvals and more flexible qualification criteria for experienced landlords.
Portfolio loans offer cross-collateralization options, allowing you to leverage equity in existing properties to acquire new ones. They feature long-term fixed-rate options up to 30 years, making them suitable for buy-and-hold investors focused on building generational wealth through real estate.
How it compares: Portfolio loans differ from individual DSCR loans by evaluating all properties together, which can offset weaker performers with stronger ones and provide better overall terms.
Who Qualifies for Rental Portfolio Loans?
How to Apply for Rental Portfolio Loans
Provide Roxford Holdings with a summary of your current rental portfolio
We evaluate your portfolio's combined cash flow and equity position
Receive a customized portfolio loan offer based on aggregate performance
Complete portfolio-level appraisal and underwriting review
Close on your portfolio loan — typically within 30-45 days
Key Features
Benefits
Requirements
Minimum 4+ rental properties
Property management experience
Strong cash flow history
Adequate reserves
Business entity structure preferred
Frequently Asked Questions
Most portfolio loan programs require a minimum of 4 financed properties, though some lenders may consider portfolios with fewer properties depending on the loan amounts and borrower profile.
Yes, portfolio loans can be used to refinance multiple existing rental properties, potentially improving cash flow and simplifying your financing structure.
Not necessarily. Portfolio underwriting evaluates the combined performance of all properties, so stronger performers can offset weaker ones in the analysis.
Ready to Get Started with Rental Portfolio Loans?
Get personalized rate quotes and expert guidance for your rental portfolio loans needs.
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc
"They explained to us in very detailed step by step information for first time house buyers."
Jessica A.
First Time Home Buyer
Roxford Holdings Inc
"Buying my first home was something I thought would be impossible, but Martin and his team made the whole process smooth and possible. I highly recommend working with him and his team, they really do make dreams come true."
Rigo D.
First Time Home Buyer
Roxford Holdings Inc
"Martin helped my husband and I refinanced our mortgage. We went to several locations; however, I'm glad we didn't settle. Martin was able to lower our interest rate. The process was fast and smooth; which, it is highly appreciated. Martin, is knowledgeable and respectful. Thanks Martin!!!!"
Araceli M.
Mortgage Refinance Client
Roxford Holdings Inc