As your rental holdings grow, managing a separate financing plan for every property can become more complicated. A rental portfolio loan may allow eligible investors to finance multiple properties under one loan. Barren Hill Mortgage can help you compare this approach with individual property financing.

How Portfolio Financing Works

Lenders may evaluate the combined rental income, debt payments, property values, and borrowing profile across an eligible group of properties. Requirements vary by property count, location, ownership structure, and portfolio size.

When It May Be Worth Considering

• Refinancing several existing rental loans.

• Financing an eligible group of purchases.

• Accessing equity across multiple properties.

• Restructuring debt around a longer-term holding plan.

Understand How the Properties Are Connected

A portfolio loan may secure multiple properties together. Selling or refinancing one property can require lender approval, a specified payoff, or release fees. Default can affect more than one property. We’ll review release terms, prepayment provisions, costs, and flexibility alongside the proposed payment.