Anyone doing portfolio loans?

Question

Need one quickly based on current holdings in NJ and Maine. Experienced full time investors with over 20 years experience looking to push a new construction project over the finish line after another lender was unable to perform.

Mike Grudzien · Answer

Research the pro and cons of portfolio vs. a simple bridge.

Pierre Guirguis · Answer

Portfolio execution can absolutely work here, but it’s very detail-dependent, especially when it’s stepping in midstream on a construction deal.

A few things would matter right away:• current as-is and projected stabilized value• remaining construction scope and budget• in-place debt and timeline pressure• whether this needs to close as a true portfolio hold or a bridge-to-perm

If you’re comfortable sharing high-level numbers, happy to sanity check whether this is something that actually fits today’s portfolio appetite versus burning time.

Frankie Vozzi · Answer

Hi Jennifer,  portfolio loan structures are still available in 2026, especially for experienced investors with strong track records and multiple assets. When another lender can’t perform, portfolio or cross-collateralized solutions can bridge the gap, particularly for new construction finish-outs. Lenders today will want to see: Current property values and existing liens,  Your overall portfolio debt service coverage, Clear exit strategy and projected costs to complete construction.

Erik Estrada · Answer

Are these all 1-4 unit residential units or commercial 5+ multi/mixed-use?

Chris Seveney · Answer

What is the ask, i.e., the amount and for how long?

Jennifer Tamedl · Answer

Unfortunately we can't find anyone to step in with a bridge because it is in a rural rea.

Anyone doing portfolio loans?

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