Portfolio lender vs. commercial lender?

[Travis Beehler]

Hey guys!

Is there anyone out there who can tell me the difference between a portfolio lender and a commercial lender who'll finance a single family home?

Most portfolio lenders I've seen ask for your standard 25% down, which is what I have my commercial lender asking me for at the moment.

So, if both require 75% LTV, then what's the point going with a portfolio lender vs. commercial?

Thanks in advance!