Portfolio DSCR loans, several rentals, one loan.
Put several rental properties under one loan: one application, one appraisal process, one closing and one monthly payment, qualified on the portfolio’s combined rent instead of your tax returns.
How a portfolio loan works.
Send the portfolio
The addresses, the rents and what is owed on each, and your goal: buy, refinance or take cash out.
One review
The properties are valued and their rents measured against one combined payment.
Get your terms
Leverage and rate for the portfolio and your credit.
One closing
Every property closes together, usually in your LLC.
One payment
One monthly payment for the whole portfolio. Selling one later? Ask how a property is released from the loan.
Portfolio DSCR loan questions
What is a portfolio or blanket DSCR loan?
One loan secured by several rental properties, qualified on their combined rent instead of your income. One closing and one monthly payment instead of a loan per property.
Why one loan instead of several?
Fewer closings, one set of documents, one payment to manage, and a refinance or cash-out across the portfolio at once.
Do I need tax returns?
No. The properties’ rent qualifies the loan; bank statements show reserves.
Can I sell one property and keep the loan?
Ask us about releasing a property from the loan; how it works is part of your terms.
Can I take cash out across the portfolio?
Yes, as a cash-out refinance of the properties together.
Can the properties be in different states?
Tell us where they are; the states we lend in and each property’s market are part of the review.
Holding several rentals? Send us the list.
The addresses, the rents and what is owed — we’ll send back one structure for all of them.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.