Rental Portfolio Loans
Consolidate 3+ rental properties under a single loan, single payment, single point of contact. 30-year fixed and ARM options, up to 80% LTV, no property count limit.
Five Properties, Five Closings, Five Headaches — or One.
One origination fee, one title policy, one set of legal and doc prep fees. An investor consolidating five properties saves roughly $8,000–$12,000 compared to closing five individual loans.
Stop tracking multiple due dates, escrow accounts, and loan servicers. One monthly payment covers the entire portfolio. One point of contact at Ternus handles everything.
Conventional financing limits you to 10 financed properties. Portfolio DSCR loans have no such cap. Whether you own 5 properties or 25, portfolio financing keeps the doors open.
Cash-out refinance your entire portfolio in a single transaction. Pull equity from appreciated properties without selling them. Redeploy that capital into your next acquisition.
When to Bundle — and When to Keep Loans Separate
The rule of thumb: if you own 3+ stabilized rental properties and plan to hold them long-term, a portfolio loan saves money, simplifies management, and unlocks better scaling options. If you’re still in acquisition mode and want maximum flexibility to buy and sell individual properties, individual DSCR loans give you more maneuverability.
Many experienced investors use both. Portfolio loans for their stabilized core holdings. Individual DSCR loans for new acquisitions and transitional properties.
What You Need to Qualify for a Ternus Portfolio Loan
Credit
Minimum 660 FICO. Higher scores unlock better rates and LTV options.
DSCR
Minimum 1.00x blended DSCR across the portfolio for borrowers with 680+ FICO (1.15x for 660–679 FICO).
Down payment / equity
Minimum 20% equity per property (80% LTV for purchases and rate/term refis). Cash-out refinances require 25% equity (75% LTV).
Reserves
6 months of PITIA in liquid assets.
Entity
Must borrow through an LLC, LP, or corporation. No personal-name borrowing.
Properties
Minimum 3 properties (2 case-by-case; maximum 20). All must be non-owner-occupied residential.
From Application to Funded in Four Steps
Get your term sheet (Day 1)
Submit your portfolio details. We run preliminary numbers and issue a term sheet within 24 hours.
Underwriting and appraisals (Days 2–20)
We order individual appraisals on each property. You provide entity documents, bank statements, rent rolls, insurance binders. No tax returns. No income docs.
Conditional approval (Days 20–30)
Underwriting reviews the file, clears conditions, and prepares closing documents.
Close and fund (Day 30–45)
One closing. One set of documents. One wire.
Ready to Consolidate Your Portfolio?
Built for investors who’ve outgrown one-at-a-time financing. Get pre-qualified in minutes.