By Daniel Becerril, Executive Branch Manager, NMLS #2388968 · Updated October 21, 2026
Two approaches
You can refinance each rental on its own loan, or ask about a portfolio or blanket loan that covers several properties on one note. Both are common, and the right answer depends on your plans.
Individual loans
Separate loans keep each property independent. Selling one later is simpler, and each property is underwritten on its own rent and value.
Portfolio loans
A single loan across several properties can mean one closing and one payment, but releasing a property later usually has conditions. Availability and terms vary by lender and program.
What to gather
A schedule of real estate owned with values, balances, rents and expenses for each property makes any portfolio conversation faster.
Talk it through
Tell us how many properties you own in the form. Daniel will review whether individual or portfolio financing fits.
General information only, not an offer, a commitment to lend, or tax or legal advice. Programs, guidelines and terms vary and change.
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