CalculateRealEstateROI

Portfolio Building

How should I structure financing across a portfolio?

Mix terms — some fixed long-term, some shorter to allow refis. Stagger maturities.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

Mix terms — some fixed long-term, some shorter to allow refis. Stagger maturities.

Expanded explanation

Avoid all-fixed (miss refi opportunities) or all-floating (rate spike risk). Stagger maturities 1–3 years apart so no single refi event can sink the portfolio.

Examples

  • 5 SFRs across 30-yr fixed, 7/1 ARM, and DSCR loans with staggered maturities.

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