Loan Program
Portfolio Loans
One loan across multiple rental properties.
Portfolio loans consolidate several properties under a single note, simplifying payments and often improving leverage compared with financing each property separately. They suit investors with five or more rentals or a package acquisition.
Ryser Capital reviews the full property list, rents and values, and structures the blanket loan around the portfolio.
One Loan, Many Properties
A portfolio loan puts several rental properties under a single note with one payment, one closing and one set of documents. It is the natural next step for investors with five or more rentals financed one at a time, and the cleanest way to acquire a package from a single seller.
Leverage is set on the portfolio as a whole, so strong properties can carry weaker ones, and individual properties can be released from the loan when you sell them.
What We Need to Quote
The number of properties, property types, the full address list, current payoffs if refinancing, the value and ARV of each property, and the rents. A rent roll and a spreadsheet of the addresses with values is the fastest way to get an accurate quote.
Best For
- Refinancing a group of rentals into one loan
- Acquiring a package of properties from a single seller
- Releasing equity across a portfolio
What We Look At
- Property count, types and address list
- Value and ARV for each property
- Current payoffs, if refinancing
- Rehab completed across the portfolio
Have Ready
- Full address list with property types
- Rent roll and value per property
- Current loan payoffs
- Addresses of past projects
FAQ
Portfolio Loans Questions
How many properties do I need for a portfolio loan?
Typically five or more, though smaller packages are considered. Below that, individual DSCR loans are usually the better structure.
Can properties be in different cities or states?
Yes. Portfolios spread across markets are common, though very large geographic spreads may be split into two loans.
Can I sell one property out of the portfolio?
Yes. Portfolio loans include release provisions so a property can be sold and released from the lien by paying down an agreed amount.
How do I apply?
Choose your loan type on the Get a Quote page and complete the online application. It takes about 5 minutes. We review it, send terms, and once you accept we open the file and order title and insurance.
Do I need an LLC?
Investor loans are made to an entity, usually an LLC. If you do not have one yet, our Form Your LLC page will get you set up quickly, and the entity only needs to exist before closing, not before you apply.
Where do you lend?
Nationwide, with our deepest experience in Nashville and across Tennessee. Luxury and rural properties are welcome as long as the value is supported by comparable sales.
Available Nationwide
We fund this program in markets across the country. Local guides for our home region:
Other Programs