Portfolio Loans Real Estate: Easy Solutions for Investors
If you’re looking for a portfolio loan for real estate or a blanket structure. Our investor‑friendly portfolio loans let you borrow up to $6.25 million at 80 % LTV, with your choice of interest‑only payments, and close fast with simple underwriting. Our portfolio loans real estate are specifically designed to provide flexibility, speed, and higher leverage.
Why Choose a StarFund Portfolio Loans?
- High loan amounts: up to $6,250,000 per blanket loan
- 80 % Loan‑to‑Value (LTV): keep more cash working for you
- Interest‑only option: lower payments, stronger monthly cash flow
- 30‑year fixed rate: long‑term stability for rental income
- Blanket structure: finance up to 25 properties under one note
- DSCR from 1.0× (0.75× at property level): we look at real cash flow, not just tax returns
- Credit score tiers: approvals from 660–740
- U.S. citizens only
Experience & Trust – With decades in private lending, licensed mortgage professionals, and a nationwide investor client base, StarFund pairs expert guidance with clear, transparent terms.
How Portfolio Loans Work
A portfolio mortgage stays on our books—loans are held in‑house, not sold. That lets us tailor underwriting criteria and design loan terms around your unique financial circumstances, including non‑traditional income. We verify performance with bank statements and rent rolls, then size the loan to your debt‑service coverage ratio (DSCR) and loan‑to‑value.
Ideal Uses
- Acquiring or refinancing multiple investment property loans.
- Pulling home equity from a seasoned property portfolio
- Rolling several mortgages into a single loan for easier management
- Investors who may not qualify for agency guidelines yet have solid cash‑flowing assets
Eligibility & Underwriting Portfolio Loans in Real Estate
Requirement | Guideline |
Credit score | 660 min (better terms 680–740) |
DSCR | 1.0× global / 0.75× property‑level |
Property type | 1–4 unit residential |
Down payment / Equity | Up to 80 % LTV |
Documents | Rent rolls / Articles of Inc |
We consider the whole picture—assets, reserves, and investment strategy—not just a single ratio.
Key Benefits at a Glance
- Simple portfolio management – one payment, one maturity date
- Flexible credit – we value real performance over perfect scores
- Faster approval process – close in weeks, not months
- Scalable leverage (finance) – recycle cash into new deals
- Customized terms & fees – built around your goals and risk profile
FAQs – Portfolio Loans Real Estate
How are portfolio loans different from a conventional mortgage?
Because the lender can set their own guidelines and they can approve complex deals quickly.
Do portfolio loans have higher interest rates?
Rates are usually a bit higher to offset risk, but many investors find the extra flexibility more valuable. Our rates are starting in the 6’s on a 30-year fixed.
Who makes a good candidate?
Borrowers with multiple properties, creative income streams, or those building an investment portfolio beyond one or two rentals.
What credit score do I need?
We start at 660; a stronger score can unlock lower pricing.
Are there prepayment penalties?
Most deals feature step‑down penalties that disappear after 0–5 years—ideal if you plan a future refinancing or sale.
Ready to Grow Your Portfolio?
Connect with a StarFund mortgage professional today. We’ll review your numbers, compare loan options, and craft a financing plan that lets you scale with confidence. Need more information? Contact us directly below.
📞 Call or Apply Now to see how a StarFund portfolio loan can move your real‑estate goals forward.
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