WANTED Portfolio Line Of Credit

Cape Coral, Florida
Creative Real Estate Financing
9moFollow

WANTED Portfolio Line Of Credit

Ryan Behm
Rental Property Investor · Member since 2020 · 10 posts · 4 votes

We have been looking for 2 weeks for a business line of credit that is secured by a portfolio with excellent DSCR numbers/excellent credit/excellent history. At this point, we have found that local banks will do local cash out refi's but will no loan outside of their region. All properties in this portfolio are in Florida. Any help with contacts? Multiple low-hanging fruit loan salesman will push unsecured $100k loans but won't touch larger secured loans..... go figure. welcome to 2025.

0Reply
141 views

Most Popular Reply

Clark Thornton
Property Manager · Orlando, FL · Member since 2025 · 110 posts · 50 votes
9mo

@Doug Smith ?

2Reply
See this reply in the discussion

7 Replies

Jump to latestLatest
  • Clark Thornton
    Property Manager · Orlando, FL · Member since 2025 · 110 posts · 50 votes
    9mo

    @Doug Smith ?

    2Reply
  • Doug Smith
    Lender · Tampa, FL · Member since 2013 · 2k+ posts · 2k+ votes
    9mo

    Thanks for recommendation @Clark Thornton . Lines for a rental portfolio are something I am unaware of outside of a bank. We can do blanket or individual deals all day long, but a guidance line (I mean a true line) is not something I am aware of. I know a lot of lender will say "You're approved up to $X", but they will still usually require an approval of some sort with each deal...basically doing each property or group of properties separately. I think what @Ryan is looking for is a line where you can call the lender and say "transfer $X so i can buy this property", correct? I'm happy to talk through it, but I'm unaware of a true line for what Ryan seeks. Thanks, Clark, for recommending me. 

    2Reply
  • Ryan Behm
    OP
    Rental Property Investor · Member since 2020 · 10 posts · 4 votes
    9mo

    Thanks for the replies. We are looking for a line of credit on the traditional example. The account has a max available limit, and upon writing checks from the account, the balance starts charging interest, which is normally tied to prime. As the balance is paid down, the limit goes back up.  

    0Reply
  • Jay HurstBusiness Member
    Lender · Dallas, TX · Member since 2017 · 1k+ posts · 1k+ votes
    9mo
    Quote from @Ryan Behm:

    We have been looking for 2 weeks for a business line of credit that is secured by a portfolio with excellent DSCR numbers/excellent credit/excellent history. At this point, we have found that local banks will do local cash out refi's but will no loan outside of their region. All properties in this portfolio are in Florida. Any help with contacts? Multiple low-hanging fruit loan salesman will push unsecured $100k loans but won't touch larger secured loans..... go figure. welcome to 2025.


     We will make these loans from our balance sheet but not in FL at the moment.  But, these kinda lines  are going to have more strings to it then multiple lines against individual properties. There are just more moving parts etc. 

    Hurst Real Estate, INC4.989 Reviews
    WebsiteView Page
    0Reply
  • Juan Yepes
    Lender · Miami, FL · Member since 2025 · 123 posts · 34 votes
    9mo

    @Ryan Behm we have a few lending options based on your scenario that I think would be a fit. Please send me a message and I'll share more details.

    0Reply
  • J CastroBusiness Member
    Lender · Florida · Member since 2025 · 673 posts · 240 votes
    9mo
    Quote from @Ryan Behm:

    We have been looking for 2 weeks for a business line of credit that is secured by a portfolio with excellent DSCR numbers/excellent credit/excellent history. At this point, we have found that local banks will do local cash out refi's but will no loan outside of their region. All properties in this portfolio are in Florida. Any help with contacts? Multiple low-hanging fruit loan salesman will push unsecured $100k loans but won't touch larger secured loans..... go figure. welcome to 2025.

    It sounds like you have a strong portfolio and great DSCR numbers—perfect for a portfolio refinance. With the right investor-friendly lender, you could potentially do a cash-out refi up to 75% across your properties. This approach can give you significant liquidity while keeping your portfolio intact.

    If you’d like, we can connect and discus further your options - DM.

    JCREIG Capital Funding
    WebsiteView Page
    0Reply
  • Jake YuskaitisBusiness Member
    Lender · New Jersey, USA · Member since 2022 · 254 posts · 67 votes
    9mo

    i know someone that will do a line of credit like you're describing. but it's a full underwrite.

    [email protected]551-287-6884
    Frontier Funding LLC533 Reviews
    WebsiteView Page
    1Reply
Join the conversationCreate a free account to reply, vote on answers and follow this thread.
Log InJoin for Free