# What Is a Rental Portfolio Loan? | Key Real Estate Capital *A rental portfolio loan finances multiple rental properties under one blanket loan. Compare portfolio financing with individual loans and see KREC portfolio loan terms.* ## What is a rental portfolio loan? A rental portfolio loan finances several rental properties under one loan instead of one loan per property. KREC portfolio loans start at 7.5%, run $500K to $10M on 5 to 30-year terms, reach 75% LTV, and require a minimum of three stabilized properties with a DSCR of at least 1.0x. Answered by the Key Real Estate Capital lending team · Updated August 2026 ### How it works Properties are cross-collateralized under a blanket loan, so a single closing covers the whole group. That consolidates payments and reporting, and it enables portfolio-level cash-out refinancing that draws on the combined equity rather than one property at a time. Underwriting looks at the portfolio's aggregate income and value. KREC places no limit on the number of properties, accepts single-family, multifamily, and mixed portfolios, and offers flexible prepayment options. ### Key considerations - A minimum of three properties with a combined value of at least $500K is required. - Properties must be stabilized, and the portfolio must carry a DSCR of at least 1.0x. - Minimum credit score is 660, and entity ownership is recommended (typically an LLC). - Cross-collateralization means the properties secure each other, which reduces per-property flexibility. - Terms run 5 to 30 years with flexible prepayment options. ### Who it may be for Owners scaling a rental business who want one closing instead of many. Investors seeking cash out against combined portfolio equity. Operators who want to simplify servicing, reporting, and payments across many doors. ### Related KREC financing options #### Rental Portfolio Rates from 7.5%, $500K to $10M, 5 to 30-year terms, up to 75% LTV, minimum three stabilized properties. #### Single Property Rental For financing one rental at a time with per-property flexibility. ### Frequently asked questions Common follow-up questions about rental portfolio loans. #### How many properties are needed for a portfolio loan? #### What is a blanket loan? #### Can a portfolio loan be used for cash-out? #### Is an LLC required? #### Related questions - [Rental portfolio financing vs financing properties individually](https://keyrealestatecapital.com/answers#portfolio-vs-individual) - [What is a rental property loan?](https://keyrealestatecapital.com/answers/rental-property-loans) - [What is DSCR and why does it matter?](https://keyrealestatecapital.com/answers#what-is-dscr) - [What is multifamily financing?](https://keyrealestatecapital.com/answers/multifamily-commercial-financing) ### Ready to talk through your deal? Share the property and your plan, and a KREC loan specialist will outline the financing structures that fit. Flexible, creative lending solutions to help real estate investors scale their portfolios. 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All rights reserved. Service Hours: 24/7 | Monday - Sunday ## Frequently Asked Questions ### How many properties are needed for a portfolio loan? At least three stabilized properties with a combined value of $500K or more. There is no cap on the number of properties included. ### What is a blanket loan? A single loan secured by multiple properties that are cross-collateralized, so one set of terms and one payment covers the whole group. ### Can a portfolio loan be used for cash-out? Yes. Portfolio cash-out refinancing is available, sized against the combined value and income of the properties, up to 75% LTV. ### Is an LLC required? Entity ownership is recommended, and an LLC is the most common structure used for portfolio financing. ## Links - [View rental portfolio details](https://keyrealestatecapital.com/loan-products/rental-portfolio) - [View single property rental details](https://keyrealestatecapital.com/loan-products/single-rental) - [Browse all real estate lending answers](https://keyrealestatecapital.com/answers) - [Contact KREC](https://keyrealestatecapital.com/contact) - [Call (619) 369-4444](tel:619-369-4444) - [San Diego](https://keyrealestatecapital.com/locations/san-diego) - [Phoenix](https://keyrealestatecapital.com/locations/phoenix) - [Dallas-Fort Worth](https://keyrealestatecapital.com/locations/dallas-fort-worth) - [Houston](https://keyrealestatecapital.com/locations/houston) - [Atlanta](https://keyrealestatecapital.com/locations/atlanta) - [Tampa](https://keyrealestatecapital.com/locations/tampa) - [Orlando](https://keyrealestatecapital.com/locations/orlando) - [Miami](https://keyrealestatecapital.com/locations/miami) - [Las Vegas](https://keyrealestatecapital.com/locations/las-vegas) - [Denver](https://keyrealestatecapital.com/locations/denver) - [Charlotte](https://keyrealestatecapital.com/locations/charlotte) - [Nashville](https://keyrealestatecapital.com/locations/nashville) - [Sacramento](https://keyrealestatecapital.com/locations/sacramento) - [Riverside](https://keyrealestatecapital.com/locations/riverside) - [Jacksonville](https://keyrealestatecapital.com/locations/jacksonville) - [San Antonio](https://keyrealestatecapital.com/locations/san-antonio) - [Columbus](https://keyrealestatecapital.com/locations/columbus) - [Indianapolis](https://keyrealestatecapital.com/locations/indianapolis) - [Kansas City](https://keyrealestatecapital.com/locations/kansas-city) - [Memphis](https://keyrealestatecapital.com/locations/memphis) - [Birmingham](https://keyrealestatecapital.com/locations/birmingham) - [Cleveland](https://keyrealestatecapital.com/locations/cleveland) - [Austin](https://keyrealestatecapital.com/locations/austin) - [Privacy Policy](https://keyrealestatecapital.com/privacy-policy) - [Terms & Conditions](https://keyrealestatecapital.com/terms-of-service) - [Anti-Spam Policy](https://keyrealestatecapital.com/anti-spam-email-policy) --- Canonical URL: https://keyrealestatecapital.com/answers/rental-portfolio-loans Markdown URL: https://keyrealestatecapital.com/answers/rental-portfolio-loans.md Agent overview: https://keyrealestatecapital.com/llms.txt Full reference: https://keyrealestatecapital.com/llms-full.txt Sitemap: https://keyrealestatecapital.com/sitemap.xml Related Key Real Estate Capital resources: - Loan programs: https://keyrealestatecapital.com/loan-products - Questions answered: https://keyrealestatecapital.com/answers - Loan calculator: https://keyrealestatecapital.com/calculator - Contact: https://keyrealestatecapital.com/contact Key Real Estate Capital — nationwide private capital lender. 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