Build Your Rental Portfolio with Confidence
One Loan. Multiple Properties. Long-Term Wealth.
When you're ready to scale your real estate business, individual loans for every property just won’t cut it. That’s why Estates of Elysium connects serious investors with rental portfolio loans—financing solutions designed to fund 5 or more rental properties in a single transaction.
What Is a Rental Portfolio Loan?
Bulk financing for serious investors.
Rental portfolio loans let you bundle five or more income-producing properties into one loan. This means one monthly payment, consolidated underwriting, and streamlined management of your entire portfolio.
These loans are designed for buy-and-hold investors who prioritize long-term cash flow, asset protection, and financial scalability.
Key Benefits:
Finance 5+ Properties at Once
Bundle multiple single-family, 2–4 unit, or condo properties under one loan
One Loan, One Closing
Simplify your paperwork, closing timeline, and loan management
Refinance or Cash Out Later
Unlock equity across your portfolio when you’re ready to expand or restructure
Title Held in an Entity (LLC/Corp)
Protect your assets and operate like a business
Rates & Terms
Bridge Loan Rates & Terms Designed Around the Property
We base our financing on the value of the deal—not just the borrower—so you can close quickly and confidently.
Features and Details
Rates as low as 6.375%† (Interest-only available)
Up to 80% Loan-to-Value (LTV)
Flexible 10- and 30-year term options
Loan amounts starting at $500,000
Choose between Rate & Term or Cash-Out refinancing
Interest-only payment options available
Our Process: Fast. Focused. Built for Scale.
Competitive Loan Terms:
Maximize your rental income with high leverage, strong loan-to-value options, and rates built for real estate investors.
Streamlined & Hassle-Free
No tax returns. No W-2s. We connect you with lenders who focus on the deal—not your day job—so you can close faster and with less paperwork.
Built-In Flexibility & Support:
We guide you from application to funding—clearly and efficiently—so you can focus on growing your portfolio.
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
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.
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.
Resources
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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.
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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.
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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.
