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.
Your Portfolio Deserves One Loan, Not Five
Every property you buy shouldn’t come with its own closing, its own fees, and its own paperwork pile. When you finance five properties separately, you’re paying for five origination fees, five title policies, and five rounds of legal and doc prep — costs that add up fast. Roll them into a single portfolio loan instead, and you could save $8,000–$12,000 that stays in your pocket instead of going to closing costs.
Less Paperwork, More Time to Grow
Managing a growing rental portfolio shouldn’t feel like a second job. Instead of tracking due dates, escrow accounts, and servicers for every property, you get one payment, one due date, and one person at Ternus who knows your entire portfolio and answers the phone.
Keep Buying, Even Past 10 Properties
Most lenders cut you off at 10 financed properties — right when you’re building real momentum. Ternus portfolio loans aren’t capped that way. Whether you’re holding 5 doors or 25, you keep qualifying for financing as your portfolio grows.
your portfolio grows.
You’ve built up equity across your portfolio. A portfolio cash-out refinance lets you access it in one transaction, without selling a single property, so you can fund your next acquisition instead of leaving that equity sitting idle.
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.