Rental Portfolio Loans

Streamline 5+ properties into one loan with ease

Partner with trusted experts to craft a rental portfolio loan as unique as your investment strategy. Save time, money, and headaches - so you can focus on scaling your portfolio with confidence.

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A real esate investor smiling after securing financing for his rental portfolio loan through Kiavi
About Rental Portfolio Loans

Rental portfolio loans built for investors

Once you’ve acquired 5+ rental properties, it’s time to manage them as a portfolio, not as individual units. Consolidating with a single rental property loan unlocks significant advantages across operations, cost, and long-term scalability.

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Flexible loan options

With various loan term lengths (plus extension options), flexible prepayment options, and more, we’ll partner with you to craft a loan that works for your business

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Easy loan processes

No need for capital expenditure reserves, extra documents like bank statements, or a cumbersome underwriting process - saving you headaches and time

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Operational efficiencies

With one monthly payment for all of your rental properties - underpinned by Kiavi’s simple process - you can free up time and cash to focus on growing your business

A real estate investor reviewing a rental portfolio loan on his laptop
An aerial view of homes that can be utilized for rental properties by real estate investors
Rates & Terms

Rental Portfolio Loan Rates + Terms

Kiavi’s Rental Portfolio Loans consolidate your properties under one umbrella, offering a low monthly payment to simplify and make managing your growing rental business more cost-effective.

Contact Our Portfolio Experts
Rates as low as 6.625%†
interest only
Up to 80%LTV (loan-to-value)
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10 and 30year options
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Loans starting at $500k
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Rate + term or Cash-outoptions
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Interest-only options
interest only
  • For Portfolios with 5+ Properties*
Frequently Asked Questions

Get answers to your portfolio rental loan questions

Everything you need to know about portfolio rental loans, simplified. We’ve got the answers to these questions and more to help you navigate your next real estate investment with confidence.

Yes! A portfolio loan is a much more effective way to finance groups of properties. Suppose you had ten properties you were trying to finance at once and dealing with ten separate loan files, ten underwrites and ten closings. That can be overwhelming. While the diligence is primarily the same for portfolio or single-asset rental (DSCR) loans, it can be much more efficient only to have to deal with one processor, one underwrite, and one closing versus many. 

Kiavi's Rental Portfolio Loans combine your properties under one umbrella loan with only one payment to help make managing your growing rental business easier and more cost-effective. One payment, one servicer, one underwrite, and one closing—all of these efficiencies add up to you spending more time on real estate and less on financing. 

No, there is no limit to the maximum number of properties that can be financed in a portfolio loan. Our minimum property requirement is five or more properties. 

We don't have max exposure limits like you might find at a local bank for our portfolio loans.

Our rental portfolio loans can go up to a fully amortizing 30-year term. 

We offer both full recourse as well as non-recourse in some instances.

A portfolio loan will save you money on fees. Transactionally, the fees are slightly lower on a rental portfolio loan versus financing each individually. You may be asking why. Well, we get some economies of scale from our vendors due to the bulk nature of the transaction. 

You must own five or more properties and have real estate investing experience. 

You can expect genuine white glove service from our professional team here at Kiavi. This includes an experienced loan officer to help you structure the deal to fit your needs, a processor to work with you on any diligence you may be required to provide, and a closing team that will help get the ball across the finish line when it's 4th and goal. 

Contact our rental portfolio team with any questions. They're here to answer your questions and help you navigate your options—so you can be set up for long-term success.
Reviews

See why 17,000+ real estate investors trust Kiavi

Grow your real estate investments with portfolio rental loans designed to help you scale faster. With the right support, expertise, and funding, we make the process easier every step of the way.

"[...] I have worked with a few other bridge loan lenders and none of them can match the customer service or ease of use that Kiavi provides as well as an investor friendly product."
Devin K.
11/23/23 via Google
"Kiavi was quick and easy to work with. I look forward to closing more deals with them soon."
Elyse G.
03/07/24 via Google
"Kiavi made my hard money loan journey surprisingly smooth. Their efficiency and transparency truly set them apart. Highly recommend."
r/realestateinvesting
01/30/24 via Reddit
"Fast and easy process. Everything was done in a timely manner. They were easy to reach when I had questions, and there were no surprises. Highly recommend!"
Kaveh N.
03/25/24 via Trustpilot
Resources

Learn what makes us the trusted choice for your needs

Have questions about rental portfolio loans or expanding your real estate investments? Kiavi is here to help. In addition to financing, we offer free resources like how-to guides for combining all your rentals under one loan, webinars with industry experts, and tools to simplify your rental investment journey.

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Competitive rates and terms tailored to your rental portfolio

Kiavi’s Rental Portfolio Loans help simplify your rental business by consolidating your properties under one loan with a low monthly payment. Whether you’re refinancing or funding new acquisitions, our solutions grow with your portfolio. Reach out to Kiavi today!

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