It’s very common for investors to later refinance multiple properties into a single portfolio loan once cash flow is stabilized and the portfolio has a track record.A true portfolio loan can absolutely include properties that aren’t adjacent — even across different states — but lenders usually look for:Strong, stabilized cash flow across the entire portfolioCross-collateralization (the properties secure each other)Consistent DSCR and operating historyFewer, higher-quality assets versus a large scattered poolSome banks and private portfolio lenders will do this, but it’s more relationship-driven and less cookie-cutter than one-loan-per-property.The tradeoff I usually explain to investors:Portfolio loan: one payment, flexibility, cleaner balance sheet — but cross-default riskIndividual loans: more admin, but easier to sell or refinance properties one at a timeMost experienced investors I work with use individual loans early on and consolidate later when scale and stability justify it.Happy to answer questions from the lending side if helpful.

The quantity there seems to be overwhelming, its not just a scattered rock or two. 

Centralize all communication.Caseworkers, tenants, vendors, all communication lives in one system.No scattered emails.

The general rule I have seen is that for scattered site residential management, at least 1 full time office staff person is required for every 20 doors under management. 

The vendor info problem is real though, I used to have contacts scattered across texts, emails, random notes... total mess.Curious about the tool you built - what made you decide to build your own vs using something off the shelf?

People repeat secondhand narratives picked up from scattered corners of the internet — most of it not grounded in facts or personal engagement.

Texts, emails, calls - it gets scattered fast.

I know it makes it easier on the management side to manage and thus should be able to help a little bit on pricing as well, versus a portfolio scattered all around Orlando, central Florida or in multiple markets.

This duplex was in a neighborhood of mostly single family homes with a scattering of 2-12 unit buildings built in the 20-30's. 

Any way good luck with it.. sounds like this company's eyes were way bigger than their stomach.. to scale on scattered lots is pretty tough logistically and I guess we are seeing that play out.