Key takeaways
- 5+ properties typical minimum.
- Local/regional bank.
- Single closing costs.
- Cross-collateralization risk.
- Better rates at scale.
Core concepts
Portfolio loan
One loan, multiple assets.
Efficiency
Single closing, single underwriting.
Risk
Cross-collateral.
Step-by-step framework
- 1Stabilize 5+ properties.
- 2Approach community bank.
- 3Negotiate terms.
- 4Close.
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Common mistakes to avoid
- Blanket cross-default risk.
Frequently asked questions
Min properties?
5.
Best lender?
Community bank.
Risk?
Cross-collateral.
Rate?
Often 25–50 bps below individual.
Action checklist
- ☐5+ stabilized.
- ☐Bank relationship.
- ☐Terms negotiated.
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