I'm curious to know whether I am getting a good rate. I focus mostly on residential financing, so commercial is a little outside my area of expertise. I am putting 11 SFRs under one portfolio loan. The rate is 5.5% on a 5 year balloon based on a 30 year amortization with no recourse and a 5/4/3/2/1 prepayment penalty. The loan is about $780k and a hair over 70% LTV with one point.