Refinance scenario
Refinancing a rental portfolio: one plan instead of a dozen deadlines
Portfolios grow one deal at a time, so the debt usually ends up scattered: different lenders, maturities and structures. Refinancing as a portfolio means stepping back, ranking what needs attention first, and building a plan the whole rent roll can support.
Who this fits
- Landlords with staggered maturities or balloon dates across properties
- Investors with a mix of hard money, bridge and long-term loans
- Owners consolidating properties into one entity
- Landlords who want to free equity from strong properties to support weaker ones
Do not refinance everything just because you can
A good portfolio refinance often leaves some loans alone. A long-term fixed loan with a payment that fits is an asset in itself. The focus belongs on maturing notes, adjustable payments you cannot predict, and properties carrying more expensive short-term debt.
Sequencing matters
- Address the nearest maturity first, so you are never refinancing under a deadline
- Watch prepayment windows; waiting a few months can avoid a penalty
- Consider how each new loan affects reserves required for the next
- Keep entity and title consistent so later refinances go faster
We are a mortgage broker. We arrange and shop financing from wholesale lenders; we do not lend our own money. Business-purpose loans on non-owner-occupied investment property only.
How it works
Four steps, no surprises
Inventory the debt
A simple table: property, balance, payment, maturity, prepayment terms and rent.
Rank by urgency
Maturities and expensive short-term notes first; well-structured loans may not need touching.
Pick the structure
One blanket loan, several individual DSCR loans, or a combination.
Execute in sequence
We coordinate appraisals and closings so one refinance does not stall another.
Questions
Common questions
Is it better to refinance all properties at once?
Not always. A blanket loan can be efficient, but individual loans keep flexibility to sell or refinance one asset. We compare both for your rent roll.
Can a strong property help a weak one qualify?
In a blanket loan, coverage is often measured across the whole portfolio, which can help. Some programs also apply property-level minimums.
What do you need to get started?
A list of properties with rent, current balance, payment, maturity date and lender. A spreadsheet is perfect.
Next step
Bring us the loan you have. We will show you the loans you could have.
Share your current balance, rent and maturity date. A Loan Daddy loan specialist will compare what wholesale lenders can offer for a business-purpose refinance and walk you through the trade-offs, without pressure.