Buy and Hold Loans Nationwide, $100K to $50M
ποΈ One Loan for Your Whole PortfolioI’m Kevin Kermeen, a nationwide commercial loan broker and a real estate investor myself, not a banker. My buy and hold loans consolidate three, five, or ten rentals into a single blanket loan with one payment, qualified on your portfolio’s blended cash flow, not your tax returns. Stop tracking ten due dates and ten lenders. Hold for cash flow, scale on your terms. My buy and hold loans are built for portfolio investors, not one-off borrowers.
Investor Replaced Seven Mortgages With One Loan and One Payment
An investor owned seven single-family rentals, each with its own mortgage, its own due date, its own lender. Seven payments a month, seven escrow accounts, and a refinance nightmare every time rates moved. His bank had no way to simplify it.
He called me. I placed a blanket buy and hold loan that consolidated all seven into one loan, one payment, qualified on the portfolio’s blended cash flow, and pulled cash out against the combined equity to fund his eighth.
That is the difference between one rigid bank box and a 75-lender network. Don’t Beg the Bank! Get funded instead.
Buy and Hold Loans Put Your Whole Portfolio Under One Roof
Buy and hold loans of the blanket type finance three or more rentals as a single loan, cross-collateralized and qualified on the blended cash flow of the whole portfolio. Instead of ten separate mortgages with ten payments, you get one loan, one payment, one closing. It is how serious investors use buy and hold loans to stop drowning in paperwork and start scaling.
π΄ Ten Separate Mortgages
- βTen payments, ten due dates, ten escrow accounts.
- βEach property re-qualified and re-appraised on its own.
- βA refinance means ten separate transactions.
- βConventional caps you at 10 financed properties.
π’ One Blanket Buy and Hold Loan
- βOne loan, one payment, one closing for the portfolio.
- βQualifies on the blended portfolio cash flow.
- βRefinance or cash-out the whole portfolio at once.
- βNo conventional property-count cap.
Buy and Hold Loans for Every Portfolio
From a tidy three-rental portfolio to a fifty-door operation, I structure buy and hold loans to consolidate, refinance, and scale. These buy and hold loans grow with your portfolio. Here is how I put them to work.
Consolidate Existing Rentals
Roll three or more rentals into one blanket loan with a single payment. End the juggling of separate mortgages and escrow accounts.
Portfolio Cash-Out Refinance
Tap the combined equity across your whole portfolio in one cash-out, up to 75% LTV, to fund the next acquisition.
Buy a Package of Rentals
Purchasing a portfolio in one transaction? Finance the whole package under a single buy and hold loan at up to 80% LTV.
Buy and Hold Loans for Growing Portfolios
No conventional 10-property cap. Keep adding doors and keep them all under one streamlined loan as you grow.
Long-Term Fixed Hold
Lock a long-term fixed payment across the portfolio so rising rents widen your cash flow year after year while the payment holds.
Mixed Property Portfolios
Single-family, condos, townhomes and small multifamily can sit in one portfolio loan, subject to lender mix and same-state rules.
Buy and hold is the goal; the loan is the tool. For a single rental, a DSCR loan usually fits best. To force equity first, see fix and flip loans or run the full BRRRR loan cycle. See my whole investment property loans lineup, or for larger buildings step up to multi-family apartment loans and commercial real estate loans. Everything lives on my loan programs page.
Tell Me About Your PortfolioBuy and Hold Loan Guidelines Most Brokers Never Show You
Transparency builds trust, especially on a blanket loan where the structure has real tradeoffs. Below is a practical summary of the buy and hold loans I actually place. I am not a bank and I do not push one-size paper … I work a private network of portfolio and non-QM lenders so the blended cash flow, not your tax return, drives the approval. Final terms depend on the portfolio, the blended DSCR, your credit and lender underwriting.
| Scenario | Typical LTV | Blended DSCR / Credit | Best For |
|---|---|---|---|
| Portfolio Purchase | Up to 80% | 1.0 to 1.25, 650+ FICO | Buying a package of rentals |
| Rate and Term Refi | Up to 80% | 1.0 to 1.25, 650+ FICO | Consolidating existing mortgages |
| Cash-Out Refi | Up to 75% | 1.0 to 1.25 | Pulling portfolio equity to scale |
| Minimum Portfolio | n/a | 3 or more properties | Qualifying for a blanket loan |
| Terms Available | n/a | Up to 30 yr, ARM and IO options | Matching the loan to your hold |
Swipe to see all columns β
Buy and hold loans of the blanket type require three or more properties and qualify on the portfolio’s blended debt-service coverage rather than your personal income, so no W-2s or tax returns are required. Rates generally start around 7.25%, a slight premium over a single-property DSCR loan because each property still needs its own appraisal, rent schedule and title review. Loan range $100K to $50M, terms up to 30 years with ARM and interest-only options. Properties are typically cross-collateralized and usually must sit in the same state, and lenders generally require several months of portfolio reserves. Final leverage, rate, structure and release terms depend on the portfolio, your credit and lender underwriting. This is not a commitment to lend.
From Many Mortgages to One. No Tax Returns.
Consolidating a portfolio sounds complex. With me it is four steps, and I run the blended numbers for you.
Send the Portfolio
A simple list: the properties, their values, the rents and any existing loans. No pay stubs needed.
I Run the Blended DSCR
I calculate the portfolio’s combined cash flow and match your buy and hold loans file to the right portfolio lender.
Appraisals and Rent Roll
Each property is appraised with a rent schedule, and the lender underwrites the portfolio as a whole.
One Closing, One Payment
You close once, replace the stack of mortgages with a single loan, and pull cash out if the equity is there.
Who These Buy and Hold Loans Are, and Are NOT, For
A blanket loan is powerful but the structure has tradeoffs, so I qualify honestly. If you’re on the left, call me today. If you’re on the right, I’ll point you to a better fit.
β This IS for you ifβ¦
- βYou own or are buying three or more rentals to hold.
- βYou want one loan and one payment instead of many.
- βThe portfolio’s blended rent covers the payment at 1.0 or better.
- βYou have a 650+ FICO and some reserves.
- βYou want to scale past the 10-property conventional cap.
π« This is NOT for you ifβ¦
- βYou only have one rental … a DSCR loan fits better.
- βYou plan to sell properties off one by one soon … release terms apply.
- βYour properties are scattered across many states.
- βYou want to live in one of the properties … this is investment-only.
- βThe blended cash flow does not cover the payment.
Tell Me About Your Portfolio
Sixty-second buy and hold loans application. I personally review every submission, no call center, no junior rep.
Got it. I’m on it.
Your buy and hold loans request landed in my inbox. I personally review every submission and most responses go out within one business hour.
Watch for a call from me, Kevin Kermeen, I call directly, I don’t text.
Recent Buy and Hold Loans From My Desk
A snapshot of the buy and hold loans I close. Every portfolio is different, yours starts with a conversation.
$1.4M Β· 7 SFRs, OH
Consolidated seven separate mortgages into one blanket loan with a single payment, cash-out to buy door eight.
$3.2M Β· 12-Door Portfolio, TX
Refinanced a mixed single-family and duplex portfolio onto one 30-year loan at a blended 1.28 DSCR.
$680K Β· 4-Rental Package, FL
Financed the purchase of a four-rental package in one closing at 78% LTV instead of four separate loans.
How I Structure Buy and Hold Loans That Actually Close
Most brokers can place a single rental loan and stop there. I structure buy and hold loans for portfolio investors who have outgrown one-property-at-a-time financing, and my buy and hold loans treat the portfolio as a single asset and need their portfolio treated as the asset it actually is. As an investor myself, I know the headache of managing a stack of mortgages, and I know how much leverage and simplicity a well-built blanket loan unlocks.
The whole point of a blanket buy and hold loan is consolidation. Instead of ten mortgages with ten payments, ten due dates and ten escrow accounts, your portfolio sits under one loan with one payment, qualified on the blended cash flow of all the properties together rather than your personal income. No W-2s, no tax returns. If the combined rent covers the combined payment at a healthy ratio, the portfolio qualifies, and you can finance well past the ten-property cap that conventional lenders impose.
Here is the honest part most brokers skip. A blanket loan is cross-collateralized, which means all the properties secure the one loan, so a single underperformer can pressure the whole facility. Selling one property off later usually requires a lender release at a premium to its share of the balance, lenders generally want the properties in the same state, and they expect several months of portfolio reserves in the bank. Those are real tradeoffs, and I will walk you through every one before you sign, because the wrong structure can box you in.
So the strategy is simple: if you are still buying one rental at a time, a DSCR loan keeps it clean. Once you hold three or more and the juggling is costing you time and clarity, blanket buy and hold loans consolidate the portfolio, frees up trapped equity, and lets you scale without the conventional ceiling. I will run your blended numbers and tell you straight which path serves you. If you also run a business behind your investing, see my small business loans and SBA loans. Don’t Beg the Bank! Get funded instead.
Straight Answers Before You Apply
What are buy and hold loans?
How is this different from a DSCR loan?
How many properties do I need and how much can I borrow?
What credit and cash flow do buy and hold loans require?
What are the tradeoffs of a blanket loan?
What does it cost to work with you?
A Buy and Hold Loan Advisor Who Owns Rentals Too
I’m Kevin Kermeen, the nationwide commercial loan broker behind 75BizLoans.com, and a real estate investor myself, not a banker. I help portfolio investors consolidate and scale, and I review every buy and hold loans file personally. I’m not a bank and I don’t push one-size paper … I shop your portfolio across a private network of portfolio and non-QM lenders so the blended cash flow does the qualifying. For independent context, see the U.S. Census Bureau rental housing data and the Federal Reserve interest rate data.
Get Funded Instead.
Banks hand out umbrellas when the sun is shining, not when you’re weathering the storm. I arrange buy and hold loans when you actually need them … three or more rentals under one blanket loan, qualified on blended cash flow, $100K to $50M, up to 80% LTV, rates from about 7.25%, and a same-day callback from a broker who owns rentals himself.
Loan amounts, leverage, ratios, rates and terms shown are typical ranges, not guarantees. *Buy and hold loan rates generally start around 7.25% and run higher with lower blended DSCR, lower credit or higher leverage; your final rate is calculated on the strength of the whole portfolio, including the properties, the blended rent, your credit and reserves, so apply for a free no-obligation quote. *No upfront fees refers to fees payable to 75BizLoans.com; I am compensated by the lender at closing. Some partner lenders may require a commitment fee or deposit upon your acceptance of their term sheet; any such fee is the lender’s, is disclosed to you before you commit, and is separate from any compensation to me. Buy and hold loans are for non-owner-occupied investment property only. The blanket structure requires three or more properties; up to 80% LTV applies to qualifying purchases and rate-and-term refinances, cash-out is typically sized lower. Properties are generally cross-collateralized, usually must be in the same state, and a property release on a sale typically requires a premium to its allocated balance. Final leverage, ratio, rate and structure depend on the portfolio, your credit and lender underwriting. This is not a commitment to lend.