In-House Portfolio Lending
Portfolio Loans — Flexible In-House Financing $5M to $500M
Commercial financing held on our own balance sheet, not sold to Fannie Mae or Freddie Mac — flexible underwriting and creative structuring for borrowers who don't fit conventional or agency guidelines. Rates starting at 7%, 25-30 year terms.
What Is a Portfolio Loan?
A portfolio loan is commercial real estate financing that we keep in-house — on our own balance sheet — instead of selling to Fannie Mae, Freddie Mac, or a securitized loan pool. Because we're not underwriting to a secondary-market rulebook, we can take a personalized, common-sense approach to borrowers and properties that don't fit conventional or agency guidelines: unique or mixed-use assets, non-conforming borrowers, and investors who want one lender to underwrite an entire portfolio rather than each property in isolation.
Rates and structure start in the same range as our multifamily loans, and borrowers comparing options can also look at commercial real estate loans or estimate payments with our loan calculator.
Held In-House
Never sold to Fannie Mae, Freddie Mac, or a securitization pool
Creative Structuring
Terms built around your deal, not a rigid rulebook
Portfolio-Wide
One flexible structure across multiple properties
Common Uses for Portfolio Loans
Non-conforming borrowers
Unique or mixed-use properties
Multi-property portfolios
Recent credit events
Properties in lease-up or stabilization
Higher leverage than agency programs
Faster, more flexible closings
Long-term hold strategies
Portfolio Loan Terms
Loan Amount:$5M - $500M
Loan Term:25-30 years
DSCR:1.25x minimum
Interest Rates:Starting at 7%
Rates and terms are underwritten case-by-case and vary based on the property, borrower profile, and overall structure of the deal.
Explore Related Financing Options
Compare financing options to find the best fit for your business needs
$500K–$25M
Conventional Commercial Loans
Standard bank financing for stabilized commercial properties with proven cash flow.
Learn more$500K–$25M
Bridge Loans
Fast short-term financing for time-sensitive acquisitions and property transitions.
Learn more$500K–$50M+
Commercial Real Estate Loans
Financing for office buildings, retail centers, industrial properties, and mixed-use developments.
Learn more$2M–$100M+
CMBS Loans
Commercial mortgage-backed securities for larger properties with non-recourse options.
Learn moreFAQ
Frequently Asked Questions
A portfolio loan is commercial financing that a lender holds on its own balance sheet rather than selling to Fannie Mae, Freddie Mac, or a loan securitization pool. Because underwriting isn't constrained by secondary-market guidelines, portfolio loans can offer more flexible terms, creative structuring, and personalized, case-by-case underwriting for borrowers or properties that don't fit a standard box.
Portfolio loans are a good fit for borrowers who don't qualify for conventional or agency financing — non-conforming borrowers, unique or mixed-use properties, and investors looking to finance multiple properties under one flexible structure with a lender who can underwrite the whole relationship rather than one deal at a time.
Because underwriting is personalized rather than formula-driven, rates and terms are set case-by-case based on the property's cash flow, the borrower's experience and financial strength, and the overall risk of the deal. Rates start around 7% with terms up to 30 years — in the same range as our conventional and agency multifamily programs — but the final structure is negotiated to fit the deal rather than pulled from a fixed rate sheet.
Conventional and agency (Fannie Mae/Freddie Mac) loans must meet strict, standardized underwriting guidelines because they're designed to be sold on the secondary market. Portfolio loans stay on our own books, so we can be more flexible on property type, leverage, and structure — often at a similar rate to our other commercial programs, without the rigid qualification requirements agency financing requires.
Still have questions? Our loan experts are here to help.