When do I need a portfolio loan instead of single-property DSCR?

When you hold or are acquiring 5+ financed properties and need blanket financing, cross-collateralization, or a lender comfortable with concentration risk beyond standard consumer overlays.

Can the portfolio be mixed property types?

Some lenders allow mixed SFR/2–4 unit pools; others want uniform asset classes. Entity vesting (LLC) and personal guaranties are common requirements.

Investor & Bridge

Investor Portfolio

Portfolio Loan (5+ Properties)

Name: Elite Fundings — California Mortgage Team
Address: 552 E Badillo St, Covina, CA, 91723, US
Telephone: (626) 833-7449
Price range: $$

Blanket or cross-collateralized loan across 5+ rental properties.

Available throughout Southern California through Francisco Williams, CCIM, NMLS #1858674.

Apply for this program (626) 833-7449

680

Min FICO

75%

Max LTV

Ideal borrower

Investors with 5+ rentals consolidating financing.

Program highlights

Single loan across multiple properties
Release prices for individual-property sales
Simpler reporting than 5+ individual loans

Typical uses

Portfolio consolidation refi

Frequently asked questions

When do I need a portfolio loan instead of single-property DSCR?: When you hold or are acquiring 5+ financed properties and need blanket financing, cross-collateralization, or a lender comfortable with concentration risk beyond standard consumer overlays.
Can the portfolio be mixed property types?: Some lenders allow mixed SFR/2–4 unit pools; others want uniform asset classes. Entity vesting (LLC) and personal guaranties are common requirements.

Program details shown are representative guidelines and subject to individual lender overlays and CFPB / agency requirements. Rates shown are illustrative and subject to change without notice. Actual rate, APR, and terms will depend on creditworthiness, loan-to-value, property type, occupancy, loan amount, loan program, and other factors. Not all applicants will qualify.