Rental Portfolio Loans
One Loan. Multiple Properties. Built for Investors Who Scale.
When you're ready to take your rental business to the next level, juggling multiple loans can slow you down. At Estates of Elysium, we help real estate investors secure portfolio loans that finance 5 or more rental properties in a single transaction—simplifying your strategy, increasing your leverage, and letting you grow with intention.
Our Process: Fast. Focused. Built for Scale.
Submit Your Portfolio:
Provide property addresses, occupancy status, and rent roll (if applicable).
Get Pre-Approved:
Within 48 hours, we’ll send you tailored loan terms based on your portfolio, experience, and goals.
Close with Confidence:
We guide you from application to funding—clearly and efficiently—so you can focus on growing your portfolio.
Key Benefits:
Finance 5+ Properties in One Deal
Bundle rental homes into a single loan to simplify your investment structure and management.30-Year Fixed or Adjustable Options
Choose from long-term fixed rates or interest-only ARMs to fit your cash flow plan.Entity-Friendly Closings
Title can be held in your LLC or corporation, protecting your assets and optimizing taxes.Cash-Out & Refinance Flexibility
Unlock equity across your portfolio to fund future acquisitions or improve ROI.No W-2s or Tax Returns Required
We work with lenders who qualify you based on rental income—not your day job.
Typical Loan Terms:
Loan Amounts: $500,000 to $50,000,000+
Property Types: SFRs, 2–4 units, condos, and PUDs
Rates: Competitive fixed and ARM options
Loan Term: Up to 30 years
Leverage: Up to 80% LTV
Minimum DSCR: Typically 1.0 or higher
Ownership: Loans closed in your personal name, LLC, or other entity
Who It's For:
Investors with 5+ income-producing properties
BRRRR investors ready to transition into permanent financing
Buy-and-hold operators scaling into new markets
Out-of-state investors looking to streamline
Self-employed or non-traditional income borrowers
WHAT WE FUND
New Purchase
Get the capital needed to acquire commercial land or redevelopment sites and build from the ground up.
Cash-Out Refinance
Refinance up to six months after closing to restore working capital. Free up liquidity for your next project.
Who It’s For:
📦 Investors purchasing 5+ rental properties in one transaction
🔁 BRRRR investors rolling stabilized rentals into permanent financing
💼 Operators acquiring scattered-site or turnkey portfolios
🧾 Self-employed or non-traditional income borrowers
🌎 Out-of-state investors looking to scale quickly
Reviews
⭐️⭐️⭐️⭐️⭐️
“Estates of Elysium helped me consolidate seven rentals into one streamlined loan—and now I’m cash-flowing more and managing less.”
— J. Turner, Dallas-Fort Worth
Resources
-
DSCR Loans Demystified: The Investor’s Shortcut to Passive Income
Learn how DSCR loans let you qualify based on rental income—not personal income. This guide breaks down how to use them to scale your portfolio faster.
-
From 1 to 10 Units: The Blueprint for Growing Your Rental Empire
Going from a single property to a real portfolio takes strategy. We’ll show you how to finance, structure, and scale without burning out, right here — right now.
-
Protect the Bag: Insurance, Loans & Long-Term Rental Strategy That Pays
Your rental income is only as strong as your structure. Discover how to finance and insure like a pro while planning for the future in this article.
Frequently Asked Questions
Answers to Your Rental Portfolio Loan Questions
Q. Does a rental portfolio loan give real estate investors more options to grow?
A. Yes! A rental portfolio loan allows you to finance multiple properties under a single loan, eliminating the need to manage separate files, underwrites, and closings for each. It simplifies the process so you can focus more on building your business and less on chasing paperwork.
Q. What are the benefits of a rental portfolio loan?
A. Portfolio loans bundle multiple properties into one umbrella loan—meaning one payment, one underwrite, and one closing. This streamlined structure saves time, reduces fees, and helps you manage your growing rental business more efficiently.
Q. Is there a limit to the number of properties I can include in a portfolio loan?
A. No, there’s no maximum. As long as you have five or more eligible properties, you can use a rental portfolio loan. Whether you’re financing 5 or 50, the structure remains flexible.
Q. Do portfolio lenders have a cap on total loan exposure?
A. Our partners don’t enforce strict exposure limits like many local banks. That means you’re free to grow your portfolio without being held back by arbitrary ceilings on loans or total asset value.
Q. What is the maximum term for a rental portfolio loan?
A. Our portfolio loans can go up to a fully amortizing 30-year term, giving you long-term stability and predictable cash flow.
Q. Are rental portfolio loans non-recourse?
A. We offer both full-recourse and non-recourse options, depending on the strength of the deal and your experience. Let’s structure something that fits your goals and risk tolerance.
Q. How can a rental portfolio loan save me money?
A. Portfolio loans offer transactional savings. Since you’re bundling deals, vendor and processing fees are often lower compared to financing properties individually. These cost efficiencies scale with the size of your portfolio.
Q. What are the qualifications for a rental portfolio loan?
A. You’ll need to own at least five rental properties and have some real estate investing experience. We’ll guide you through the rest of the process from there.
Q. What should I expect when applying for a rental portfolio loan with Estates of Elysium?
A. Expect a streamlined, professional experience. You’ll be assigned a dedicated team to structure your deal, manage documentation, and close efficiently—so you can focus on expanding your portfolio with confidence.
Q. What if I have more questions about rental portfolio loans?
A. Reach out to us anytime. We’re happy to walk you through your options and help you find the financing strategy that supports your long-term rental goals.
Elevate your build-to-sell, build-to-rent, or commercial developments with financing solutions from Estates of Elysium. We combine strategic capital, industry insight, and modern tools to help you bring your vision to market—faster and smarter. More than just funding, we’re a hands-on partner committed to helping you turn plans into profitable, long-term assets.
