BearCrestFunding
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BearCrest loan program

Portfolio DSCR

A coordinated financing approach for investors placing multiple rental properties into one portfolio transaction.

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The BearCrest advantage

Financing options built around your opportunity.

We provide coordinated financing for investors with multiple rental properties. We review the entire schedule—including rents, debt, taxes, insurance, occupancy, and equity—to determine whether our portfolio structure or separate DSCR loans produce the better result.

Multiple propertiesOne coordinated closingPortfolio cash flow

Who it’s for

Rental owners looking to simplify financing, refinance multiple properties, or unlock equity across a portfolio.

What we offer

A financing path built around the project.

  • Multiple rental properties may close in one coordinated transaction
  • Portfolio cash flow and leverage are evaluated across the assets
  • Purchase, refinance, and eligible cash-out scenarios
  • We compare portfolio financing with individual-property DSCR options

What we can consider

Where this program can fit.

  • Combine multiple qualifying rental properties into one coordinated financing request
  • Consider purchases, refinances, and eligible portfolio cash-out
  • Evaluate the cash flow and leverage of the portfolio as a whole
  • Compare one portfolio structure with separate DSCR loans before recommending a path

Important limitations

What borrowers should know.

  • Every property must be reviewed for value, condition, title, insurance, rent, and eligibility
  • Portfolio loans may cross-collateralize the properties
  • Release terms, minimum property values, and eligible property types vary by program

The process

From opportunity to a clear financing plan.

  1. 01

    Provide the property schedule and current debt

  2. 02

    Share rents, taxes, insurance, and occupancy

  3. 03

    We analyze leverage and cash flow across the portfolio

  4. 04

    Structure the portfolio loan and closing plan

Important to know

A portfolio structure can be efficient, but cross-collateralization and release terms should be understood before closing.

Have a property in mind?

Tell BearCrest about the property, the project, and what you want to accomplish.

Apply for Portfolio DSCR