Portfolio Loans for Real Estate Investors

Consolidate multiple properties under one loan and scale your portfolio with ease.

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What Is a Portfolio Loan?

A portfolio loan allows real estate investors to finance or refinance multiple properties under one loan agreement. Instead of managing separate loans for each property, portfolio financing simplifies debt management and creates new opportunities for growth.

These loans are common among multifamily investors, family offices, and commercial developers who hold several income-producing properties. With terms ranging from 5 to 30 years, portfolio loans offer long-term stability, competitive rates, and tailored structures for complex holdings.

At Nelson Funding, we arrange portfolio loans through banks, life companies, CMBS lenders, and private capital sources — matching each borrower to the structure that best fits their strategy.

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Why Choose a Portfolio Loan?

  • Simplify Financing
    One loan, one payment, multiple properties.
  • Increase Borrowing Power
    Leverage the combined value of your portfolio for higher loan amounts.
  • Unlock Equity Across Properties
    Access cash from stabilized assets without refinancing each one separately.
  • Diversify Risk
    Spread financing across multiple properties to reduce exposure to a single asset.
  • Grow Faster
    Use portfolio financing to acquire new properties while consolidating existing debt.
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Common Use Cases

  • Multifamily Owners:
    refinancing several stabilized apartment complexes at once.
  • Commercial Developers:
    consolidating debt across office, retail, and industrial assets.
  • Family Offices & Private Equity:
    structuring long-term financing for diverse holdings.
  • Investors Expanding Portfolios:
    leveraging equity to acquire additional properties.
  • Regional Investors:
    with multiple smaller properties seeking one large loan.
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Loan Highlights

  • Loan Sizes: $5M to $100M+
  • Terms: 5 to 30 years
  • Fixed and floating rate options
  • Non-recourse available for qualified borrowers
  • Leverage: Up to 75% LTV
  • Eligible Assets: multifamily, office, retail, industrial, hospitality, mixed-use
  • Nationwide coverage

Portfolio Loans vs. Individual Property Loans

  • Individual Loans:

    Separate underwriting, terms, and payments for each property.

    Harder to scale and manage.

  • Portfolio Loans:

    One loan covers multiple assets.

    Simplifies management and can unlock higher leverage.

    Often offers better overall terms than multiple separate loans.

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Example Scenario

Borrower Profile

Private equity group in Denver, CO

Project

Portfolio of six stabilized multifamily and retail properties valued at $75M

Challenge

Group held six separate loans with varying maturities, rates, and covenants. Debt service was inconsistent, and refinancing each property separately was inefficient.

Solution

Nelson Funding structured a $55M portfolio loan with a 10-year fixed rate and non-recourse terms. This consolidated debt, lowered overall costs, and freed up $7M in cash-out equity for new acquisitions.

By consolidating into one portfolio loan, the borrower simplified financing and accelerated growth.

Who Benefits Most from Portfolio Loans?

  • Multifamily Investors: managing multiple stabilized properties
  • Family Offices & Private Equity Firms: with diverse asset holdings
  • Commercial Developers: financing multiple stabilized projects under one structure
  • Regional and National Investors: consolidating debt to scale portfolios
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Why Work With Nelson Funding

Investors nationwide choose Nelson Funding for portfolio loans because we:

  • Provide Access to Multiple Lenders: life companies, CMBS, banks, and private lenders
  • Structure Creative Solutions: fixed, floating, non-recourse, or hybrid programs
  • Offer Nationwide Coverage: across multifamily, office, retail, industrial, and hospitality
  • Understand Portfolio Growth: helping investors scale strategically
  • Deliver Results: $100M+ in portfolio, permanent, and bridge financing closed

“We simplify financing so investors can focus on scaling their portfolios.”

FAQs Portfolio Loans

Multifamily, office, retail, industrial, hospitality, and mixed-use — as long as they are stabilized and income-producing.

Consolidate and Scale With Portfolio Financing

Nelson Funding structures portfolio loans that simplify financing, unlock equity, and fuel portfolio growth. Whether you own three properties or thirty, we’ll connect you with the right capital source to fund your strategy.

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