Rental Portfolio Loan Program Details

Loan Structure and Benefits

• Loan Amounts: $1,000,000 to $50,000,000+
• Portfolio Size: Typically 5-30+ properties
• Loan-to-Value: Up to 75% of total portfolio value
• Terms: 15-30 year amortization available
• Rate Structure: Fixed or adjustable rate options
• Cross-Collateralization: Properties secure each other

Portfolio Loan Advantages

Simplified Management

• Single Payment: One monthly payment instead of multiple loans
• Unified Reporting: Consolidated statements and tax reporting
• Streamlined Administration: Reduced paperwork and management overhead
• Relationship Banking: Single point of contact for your portfolio

Financial Benefits

• Better Rates: Volume pricing can result in lower interest rates
• Reduced Costs: Lower per-property origination and closing costs
• Improved Terms: Longer amortization and better loan structures
• Enhanced Leverage: Higher LTV ratios than individual property loans

Strategic Advantages

• Portfolio Growth: Easier to add properties to existing loan structure
• Risk Diversification: Spread risk across multiple properties and markets
• Cash Flow Optimization: Overall portfolio performance matters most
• Exit Flexibility: Options to sell individual properties while maintaining financing

Eligible Portfolio Types

Geographic Diversification

• Single Market: Properties concentrated in one Florida metro area
• Multi-Market: Properties spread across multiple Florida markets
• Statewide: Diversified across different Florida regions

Property Mix

• Single-Family Homes: Mix of 3-4 bedroom rental properties
• Small Multifamily: Duplexes, triplexes, and fourplexes
• Mixed Portfolio: Combination of single-family and small multifamily
• Apartment Buildings: Small apartment complexes (5-20 units)

Portfolio Underwriting Criteria

Property Requirements

• Occupancy: Minimum 85% occupancy across portfolio
• Property Condition: Good to excellent condition properties
• Market Strength: Properties in stable or growing markets
• Rent Rolls: Documented rental income and lease agreements

Borrower Qualifications

• Experience: Significant real estate investment experience required
• Net Worth: Substantial net worth and liquidity requirements
• Cash Flow: Strong personal and portfolio cash flow
• Management: Proven ability to manage rental properties effectively

Florida Portfolio Investment Strategies

Market Diversification

Florida offers excellent opportunities for geographic diversification within a single state:

• Growth Markets: Orlando, Tampa, and Jacksonville for appreciation
• Cash Flow Markets: Smaller cities with strong rental yields
• Luxury Markets: High-end rentals in Miami, Naples, and beach communities
• University Towns: Gainesville, Tallahassee for student housing

Property Type Strategies

• Single-Family Focus: 3-4 bedroom homes in family neighborhoods
• Small Multifamily: 2-4 unit properties for higher cash flow
• Mixed Strategy: Combination for risk reduction and growth
• Value-Add Approach: Properties with renovation upside

Portfolio Management Best Practices

Performance Monitoring

• Monthly Reporting: Track income, expenses, and occupancy
• Market Analysis: Regular rent and value assessments
• Capital Planning: Schedule maintenance and improvements
• Performance Metrics: Monitor DSCR, cash flow, and ROI

Risk Management

• Insurance Coverage: Comprehensive property and liability insurance
• Reserve Funds: Maintain adequate cash reserves
• Tenant Screening: Consistent screening processes
• Legal Compliance: Stay current with landlord-tenant laws

Portfolio Loan Process

1. Portfolio Assessment: Comprehensive review of existing properties
2. Valuation: Professional appraisals or BPOs for each property
3. Financial Analysis: Cash flow and debt service coverage analysis
4. Structure Design: Customize loan structure for portfolio needs
5. Documentation: Compile property and borrower documentation
6. Underwriting: Complete portfolio underwriting and approval
7. Closing: Coordinate closing for entire portfolio

Exit Strategies and Flexibility

• Partial Releases: Sell individual properties with lender approval
• Portfolio Refinancing: Refinance entire portfolio for better terms
• Portfolio Sale: Sell entire portfolio to another investor
• Property Additions: Add properties through loan modifications
• Conversion Options: Convert to individual property loans if needed