What is a rental portfolio loan?
A single facility that finances many rental properties at once instead of one loan per door. ACP Lending structures $2 million to $75 million or more across portfolios of 20 to 100+ units, including scattered-site and multi-state, at up to 70% LTV with non-recourse structures available.
Portfolio Financing for Growing Investors
Finance, refinance, or restructure multiple rental properties through a coordinated financing strategy.
What are ACP's portfolio loan terms?
| Loan amounts | Loan amounts from $2 million to $75 million or more |
| Portfolio size | Portfolios of 20 to 100+ units typically; scattered-site and multi-state portfolios accepted |
| Property mix | Blends 1–4 unit rentals and 5–9 unit multifamily properties in a single facility |
| Maximum LTV | Up to 70% LTV, tiered by credit score—720+ can access up to 70% on purchase, with lower tiers around 60% for scores in the 680–699 range |
| Terms | 5, 7, or 10-year terms, with 30-year amortization or interest-only options |
| Structure | Non-recourse structure with flexible prepayment options |
Potential Uses
- Acquire multiple properties
- Refinance or consolidate existing loans
- Fund renovations and stabilization
- Access equity for new investments
What We Review
Property schedule, values, balances, rents, occupancy, expenses, property condition, borrower liquidity, ownership structure, and use of proceeds. Portfolios generally need to be at least 90% leased to qualify, and minimum individual property values typically run around $100,000 for 1–4 unit properties and $125,000 for 5–9 unit properties. This structure is generally best suited to experienced or institutional investors.
Portfolio financing can simplify administration, but cross-collateralization and release terms may reduce flexibility. We explain the tradeoffs before you proceed.
Programs are available nationwide, subject to underwriting and lender eligibility.
Portfolio Loan FAQ
What's the minimum portfolio size?
Portfolio financing is typically structured for 20 to 100+ units, with scattered-site and multi-state portfolios accepted.
What loan amounts are available?
Portfolio facilities generally range from $2 million to $75 million or more, depending on the size and composition of the portfolio.
What LTV is available?
Up to 70%, tiered by credit score—borrowers with a 720+ score can access up to 70% on purchase, while scores in the 680–699 range are typically capped closer to 60%. Refinance and cash-out are capped somewhat lower.
Do properties need to be leased already?
Yes, portfolios generally need to be at least 90% leased to qualify.
Is this a recourse loan?
No. Portfolio facilities are typically structured on a non-recourse basis, with flexible prepayment options.
Request a Portfolio Loan Quote
Send the property schedule with addresses, values, current balances, rents, and occupancy, along with the requested loan amount and use of proceeds. I will review the portfolio and outline the available structure.
Steve Waller | ACP Real Estate Lending
[email protected] | 936-522-8951