Portfolio Lending Solutions
HomyLoan helps real estate investors access portfolio and private money loans, including fix and flip, bridge and rental property financing, from lenders that hold loans in portfolio and set their own guidelines.
- Fix and flip, bridge and rental
- Flexible lender guidelines
- Built for investors
The basics
What Is A Portfolio Loan?
A portfolio loan is a mortgage the lender keeps on its own books instead of selling it, so it does not have to follow Fannie Mae and Freddie Mac guidelines. That flexibility can help real estate investors and borrowers whose income, property or timeline doesn't fit a conventional loan. Portfolio loans for investors typically fall into two main types:
- Held by
- The lender
- Guidelines
- Set by each lender
- Best for
- Investors
Short term
Short-Term Investor Loans
Fix and flip and bridge loans that help investors buy, renovate or reposition a property quickly.
Long term
Rental Property Loans
Longer-term financing for rental properties, such as DSCR loans that may qualify based on rental income.
How it works
Your portfolio loan in four steps
Investment deals move fast. One licensed loan officer helps you find a lender and keeps the file moving.
- 01
Share your deal
Tell your loan officer about the property, your plan for it (flip, bridge or rental) and your investing experience.
- 02
Match with a lender
We look for portfolio and private lenders whose guidelines may fit your deal and walk you through their terms.
- 03
Underwriting and valuation
The lender reviews the property, your budget and your finances. Rental loans may look at the property's rental income.
- 04
Close and get to work
Sign your loan documents and take ownership. Rehab funds, if included, are typically released in draws.
How it differs
What Is Portfolio Lending?
Portfolio lending refers to loans a lender originates and keeps on its own books (in its "portfolio") rather than selling them to Fannie Mae, Freddie Mac or other investors. Because the loans stay in portfolio, these lenders can set their own underwriting guidelines and offer custom loan products. As a mortgage broker, HomyLoan can help connect borrowers with unique needs, such as real estate investors, renovators and those who need flexible, creative financing, to portfolio lenders.
Kept on the lender's books
The loan isn't sold to Fannie Mae, Freddie Mac or other investors.
Lender-set guidelines
Each portfolio lender can set its own underwriting rules and loan products.
Matched through a broker
HomyLoan can help connect you with portfolio lenders whose guidelines may fit your situation.
For investors
Fix and flip loans for investors
A fix and flip loan is a short-term portfolio loan designed for real estate investors who buy a property, renovate it and resell it. Financing may cover both the purchase and the rehab budget, subject to approval.
Explore Fix and FlipPurchase
Financing for the acquisition of an investment property.
Rehab
Renovation funds may be included, typically released in draws as work is completed.
Short term
Designed to be repaid when the property is sold or refinanced.
Homy is online
Ask Homy anything about home loans
Hi, it's Homy! I can explain loan programs, down payments and the steps to buy or refinance in Texas. For advice on your situation, a licensed loan officer is one tap away.
Homy gives general information, not a loan offer or approval. HomyLoan, LLC is a licensed mortgage broker, NMLS 2783307.
HomyHomyLoan assistantHomy is an automated assistant, not a loan officer, and answers are general information. Please don't share your Social Security number or account numbers in chat. How chat data is used
Portfolio loan FAQs
A portfolio loan is a mortgage the lender keeps on its own books instead of selling it to Fannie Mae or Freddie Mac. That lets the lender set its own underwriting guidelines.
Real estate investors and borrowers whose income, property or timeline doesn't fit conventional guidelines often consider portfolio loans. Common uses include fix-and-flip, bridge and rental property financing.
A DSCR (debt service coverage ratio) loan is a rental property loan that may qualify mainly on the property's rental income compared with its monthly debt payment, rather than your personal income.
They often are. Portfolio and non-QM loans can carry higher rates, fees or down payment requirements than conventional loans because the lender keeps the risk.
Possibly, but many lenders give better terms to experienced investors. Expect the lender to review your budget, the property and your plan for it.
No. HomyLoan is a licensed mortgage broker that helps connect you with portfolio and private lenders whose guidelines may fit your deal, subject to credit approval.