Scaling Your Portfolio - What financing to use and when does it become available

[Igor Bakovic]

As we continue to scale our real estate portfolio over the next 4–5 years (currently at four properties: 3 SFHs and 1 duplex), I’m looking to educate myself on how we can continue increasing the pace at which we scale and what funding models become available as you hit certain milestones, depending on the size of your portfolio. Whether that's portfolio financing, business-based financing, or something different.

We've purchased two properties in the last nine months using DSCR loans, and I imagine we'll continue using that strategy over the next couple of years as we grow our portfolio to around 10 properties.

Any educational articles or insights would be greatly appreciated, especially from those who have successfully scaled into dozens or more properties. Looking back, what financing models or strategies made the biggest difference in helping you continue to grow?

Thanks,

Igor

[G. Brian Davis]

Hi @Igor Bakovic, nice to meet you! One thing I would add is to focus on building relationships with local banks and portfolio lenders early, not just national DSCR lenders. As your track record grows, you'll often find more flexible terms and financing options that aren't widely advertised. In my experience, those relationships can become just as valuable as the properties themselves.