Aggregate multiple rental properties into a single, streamlined financing structure. Simplify your balance sheet and unlock capital efficiency across your entire rental portfolio.
Portfolio rental loans allow real estate investors to consolidate multiple single-family or small multifamily rental properties under a single loan — eliminating the complexity and cost of managing individual mortgages on each property. These loans are structured based on the aggregate cash flow of the entire portfolio, providing a more efficient and scalable financing solution for investors with multiple assets. Progressive Realty Capital’s portfolio rental program is designed for investors who have built a meaningful rental portfolio and are looking to optimize their capital structure, reduce administrative burden, and free up equity for future acquisitions.
Ideal Borrower
Who This Loan Is For
Investors holding 5 or more rental properties seeking portfolio-level financing
Borrowers looking to consolidate multiple individual loans into a single structure
Investors seeking to unlock equity across a diversified rental portfolio
Real estate operators scaling their buy-and-hold strategy
Borrowers whose individual properties may not qualify for standalone financing
Key Benefits
Why Choose This Product
Single loan covering multiple properties reduces administrative complexity
Portfolio-level underwriting can improve qualification compared to individual loans
Unlock equity across multiple properties in a single transaction
Competitive blended rates based on aggregate portfolio performance
Flexible cross-collateralization structures
Available for mixed portfolios of SFR and small multifamily assets
Loan Highlights
Minimum Properties
5+ Properties
Loan-to-Value
Up to 75%
Minimum Portfolio Value
$500,000
Loan Term
5, 10, 30-Year Options
Property Types
SFR, 2-4 Units
Underwriting Basis
Portfolio DSCR
Ready to Apply?
Our team can issue a term sheet within 48 hours. Start your application today.
