Rental Portfolio Loans

One loan. Multiple properties. One monthly payment. Consolidate your rental portfolio with up to 80% LTV, 30-year terms, and no income verification. Built for investors scaling past 3 properties.
  • Up to 80% LTV: Purchase & rate/term refi
  • 30-Year Fixed & ARM: Interest-only available
  • 39 States: Close in as little as 30 days

Stop Juggling Five Loans. Start Managing One.

A rental portfolio loan bundles multiple investment properties under a single mortgage. Instead of closing, tracking, and paying five separate loans on five separate schedules with five separate lenders you get one loan, one closing, one payment.

Every property in the portfolio serves as collateral through cross-collateralization. Your strongest performers carry the weaker ones. The lender calculates a blended DSCR across the entire portfolio, not property-by-property. That means a duplex cash-flowing at 0.95 DSCR still qualifies when your other four properties average 1.25.

Portfolio loans go by a few names. Some lenders call them blanket loans. Others say blanket mortgages. At Ternus, we call them what they are: the fastest path to scaling a rental portfolio without drowning in paperwork.

No tax returns. No W-2s. No income verification. Qualification is based entirely on the portfolio’s rental income versus its debt service. If the properties cash flow, you qualify.

Ternus Portfolio Loan Terms at a Glance

Program Detail
Terms

Loan Amount
$150,000 – $2,000,000+

LTV (Purchase & Rate/Term Refi)
Up to 80%

LTV (Cash-Out Refinance)
Up to 75%

Loan Term
30-year fixed, 5/1 ARM, 7/1 ARM, 10/1 ARM

Interest-Only
Available (up to 10-year IO period)

Minimum Properties
3

Eligible Properties
SFR, 2–4 units, condos, townhomes, PUDs

Minimum DSCR
1.00x (680+ FICO); 1.15x (660–679 FICO) — blended across portfolio

Minimum FICO
660

Income Verification
None – DSCR-based qualification

Entity Required
LLC, LP, or Corporation

Recourse
Full recourse with personal guarantee

Prepayment
Flexible options (step-down or yield maintenance)

Release Clause
Available – sell individual properties without full payoff

States
39 states

Time to Close
30–45 days (typical)

Terms subject to underwriting approval. Rates, LTV, and terms may vary based on borrower profile, property type, and market conditions. Contact a Ternus loan officer for a custom term sheet.

Five Properties, Five Closings, Five Headaches or One.

Investors scaling past three or four rentals hit a wall. Each new property means another closing, another appraisal, another set of origination fees, another lender relationship. A portfolio loan eliminates that friction.
Save thousands in closing costs.

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.

One payment. One lender. One relationship.

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.

Scale without the Fannie Mae ceiling.

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.

Blended DSCR works in your favor.

Individual DSCR loans require each property to qualify on its own. Portfolio loans calculate one blended ratio across all properties. High performers offset lower performers, making it easier to qualify properties that would fail individually.

Unlock trapped equity.

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.