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Monday, October 19, 2026 |
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Investor Update
Portfolio loans: how to stack rentals without selling
Benchmark Rates · October 16, 2026 |
▼ -0.11% |
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Conventional 30-Year
7.40%
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These are conventional benchmark rates as of October 16, 2026, plus our pricing adjustment. The 30-year fixed sits at 7.4% — down 0.11% from last week. Investor pricing on DSCR, portfolio, and hard-money products typically runs above conventional — let's talk about a deal-specific quote whenever you're ready to underwrite.
Source: Optimal Blue daily mortgage indices via FRED · Includes our pricing adjustment
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Portfolio Loans
When You've Maxed Out Conventional — Portfolio Loans Open the Door
Fannie Mae caps you at 10 conventionally-financed properties (in practice, most lenders won't do more than 4–6). After that, portfolio lenders are your runway. These are loans the bank holds rather than selling to the GSEs — so they make their own rules. Common features: no loan count limit, qualifying on property cash flow, LLC vesting, interest-only options, and 30-year amortization. Rates run 0.75–1.5% above conventional but the access is what matters. Ten properties in your name doesn't mean you've hit your ceiling — it means you've outgrown one funding lane.
At your conventional cap? Let's map a portfolio strategy for the next 5–10 doors.
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DSCR, hard-money, portfolio — send me the property and I'll get terms back fast.
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Program Spotlight
STR DSCR
Underwrite the Airbnb income.
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DSCR loans that qualify on actual short-term rental income via AirDNA or T12 statements — not 1-year leases.
- AirDNA-based qualifying
- 20–25% down
- 0.5–1% above standard DSCR
- Verify zoning before contract
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Investor Tips
Cash Flow vs. Appreciation Plays
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1.
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Cash flow markets generally trade at lower price-to-rent multiples — Midwest and Southeast tend to outperform coastal cities here.
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2.
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Appreciation plays require more cash-on-cash patience but can build wealth faster long term — match the strategy to your time horizon, not headlines.
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3.
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A balanced portfolio usually includes both: cash-flow doors that fund operations, appreciation properties that build net worth.
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Tip of the Week
Your loan officer can run a credit simulator to show exactly which actions will move your score the most.
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460 Shadowood Ct Roswell GA 30075 · 678-313-4879 · https://www.primepropertylending.com
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