Managing separate loans for each rental property is a headache. Portfolio loans let you consolidate 2-10 properties under a single loan — simplifying your life and potentially improving your terms.
What Is a Portfolio Loan?
A portfolio loan bundles multiple investment properties into one loan with one payment, one rate, and one closing. Instead of managing 8 different loans with 8 different payments, you have one.
Who Should Consider a Portfolio Loan?
- Investors with 2+ rental properties in the same state
- Landlords looking to consolidate and simplify
- Investors wanting to pull cash out across multiple properties simultaneously
- Anyone hitting conventional loan limits (most banks cap at 10 mortgages)
Hard Hat Capital Portfolio Terms
- Loan amounts: $400K – $5M
- 2-10 properties in the same state
- 30-year fixed (P&I or interest-only)
- Min DSCR: 1.10
- Max LTV: 80% purchase, 75% cash-out
- No experience required
- Short-term rentals eligible