PORTFOLIO LOANS
Streamlined financing for multiple investment properties under one flexible loan structure.
What Are Portfolio Loans?
Portfolio loans allow real estate investors to finance multiple properties under a single loan structure — also known as a blanket mortgage. Instead of managing separate loans, insurance policies, and lenders for each property, a portfolio loan consolidates your holdings into one facility, simplifying operations and improving capital efficiency.
How they work: All properties in the portfolio serve as cross-collateral for the loan. Qualification is based on the aggregate income and DSCR of the portfolio, not individual property underwriting. Loan amounts typically range from $500,000 to $20,000,000+, with terms of 5 to 30 years. LTVs up to 75% on stabilized portfolios.
Release clauses: Well-structured portfolio loans include individual property release provisions, allowing you to sell specific assets without triggering full loan repayment — maintaining flexibility as you actively manage your portfolio.
Processed through Gloven Capital — These products are originated through Gloven Capital, Glovenco’s dedicated real estate capital division. You can also apply directly at glovencapital.com.
Who this is for:
- Investors with 5 or more rental properties seeking consolidated financing
- Landlords looking to pull equity from a portfolio without selling
- Investors transitioning from single-property loans to institutional-scale financing
- Operators expanding a rental portfolio with a single credit facility
- Investors simplifying a complex multi-lender structure into one payment
Key Benefits:
- One payment, one lender — dramatically simplified portfolio management
- Qualify on portfolio cash flow, not individual property metrics
- Access equity across properties without selling
- Lower aggregate cost than managing multiple separate loans
- Release clauses preserve flexibility to sell individual assets
- Real estate investors with multiple properties
- Rental property portfolios
- DSCR investors scaling operations
- Investors consolidating loans
- Borrowers seeking simplified financing
- Experienced real estate operators
- Consolidated financing structure
- Improved cash flow management
- Easier scaling of portfolios
- Flexible underwriting across assets
- Potentially better terms across combined properties
- Reduced administrative complexity
⭐ Basic Qualification Requirements
🟢 Multiple investment properties
🟢 Rental income or income-producing assets
🟢 Portfolio performance metrics (DSCR, occupancy, etc.)
🟢 Borrower financial profile
🟢 Property condition and stability
⭐ Common Use Cases
🟢 Consolidating multiple loans into one
🟢 Refinancing a portfolio
🟢 Expanding rental property holdings
🟢 Stabilizing income-producing assets
🟢 Acquiring multiple properties at once