Commercial Real Estate & Investment Portfolio Financing
Refinance several investment properties under one loan, raise capital against commercial property your business owns, or fund the finish of a project already underway. I arrange the financing through private capital partners and review every request personally, in English or Spanish.
Business-purpose financing arranged through private capital partners, subject to their underwriting. Not every property or program qualifies at every size. Not a commitment to lend.
Reinier Cancio · NMLS #1615071 · Bold Mortgage (NMLS #386834) · Updated October 10, 2026
What this covers
These are structures, not a rate sheet. Which one fits depends on the properties, the equity, what the money is for, and how it gets repaid.
Portfolio refinancing replaces the loans on several properties at once. A blanket loan is a single loan secured by more than one property, so you manage one lender and one payment instead of many. Ask early whether a property can be released (taken off the loan) when you sell it; release rules vary by capital partner.
Often, yes. If your company owns the building it operates from, or other commercial property, that equity may support a loan. How the money can be used is set by the capital partner, so start with the purpose: expansion, buying out a partner, paying off other debt, or another business need.
It can be reviewed when the cost to finish, your equity, existing liens, and the way you plan to repay all line up. This fits renovations and developments that stalled or ran over budget. Expect questions about the budget, the work left, permits, and who is doing the work.
Buying or repositioning a property, or replacing a bridge loan that is coming due? That’s covered on commercial bridge loans. Smaller residential projects fit fix-and-flip loans or DSCR rental loans.
Compare
| Portfolio or blanket loan | DSCR rental loan | Commercial bridge loan | |
|---|---|---|---|
| Best for | Several properties refinanced or financed together | One rental property qualified on its rent | A short-term need: an acquisition, a renovation, or a loan coming due |
| Secured by | Multiple properties together | One property | The property being bought or refinanced |
| Usually repaid by | A refinance, selling properties, or cash flow | Regular monthly payments over a long term | A sale or longer-term financing |
| Start here | This page | DSCR loans | Commercial bridge loans |
A general comparison of loan structures, not program terms. Eligibility and terms are set by each capital partner.
Know which structure fits? Send the basics, or talk it through first.
Recognizable situations
Examples describe the kinds of requests reviewed. They are not past transactions or a promise that any request will be approved.
Qualifying factors
Urgency alone does not qualify a deal. A strong request usually has most of these.
Portfolio value is not the loan amount. A $20 million portfolio does not mean a $20 million loan. The form asks for each separately: total loan, estimated value, existing debt, and the cash you need.
Have most of these? That’s enough to start a review.
Be ready
Nothing to upload now. If the request fits, Reinier asks for these through a secure channel.
How it works
Start here
Two short steps. Estimates are fine. Do not upload or enter documents, account numbers, or a Social Security number here. Fields marked * are required.
Before you submit
A blanket loan is one loan secured by several properties at once, instead of a separate mortgage on each one. My capital partner offers blanket loans, subject to underwriting. Release terms for selling individual properties are set for each deal.
A partial release takes one property off a blanket loan, usually when it is sold, by paying down an agreed amount. The release terms are set before closing, so ask about them early.
Not quite. Cross-collateralization uses the equity in one property to help secure financing on another, and it can tie separate loans together. Every blanket loan is cross-collateralized, but cross-collateralization does not require a blanket loan. It helps when one property has a lot of equity and another has little; the tradeoff is that the properties stay tied together until the loan is paid down or a property is released. My capital partner offers it, subject to underwriting.
No. A DSCR loan usually finances one rental property based on its rent. A portfolio or blanket loan finances several properties together. If one property and its rent are the whole story, see DSCR rental loans.
My capital partner reviews requests up to $20 million per loan. Not every property, program, or borrower qualifies at that size; the amount depends on the properties, their value, existing liens, and underwriting.
This page is built for larger requests, but smaller ones are still reviewed. If a different program fits better, such as DSCR rental loans or fix-and-flip financing, Reinier will say so.
No. An LLC or operating business does not establish eligibility by itself. The capital partner reviews the property, equity, use of funds, the ability to make payments, and the plan to repay.
Sometimes. Each capital partner sets its own rules for how loan proceeds may be used. Tell Reinier what the funds are for at the start so the request goes to a source that allows it.
It can be reviewed when the remaining cost, your equity, existing liens, and a realistic way to repay all support it. Expect questions about the budget, the work left, permits, and who is doing the work.
Often. Many private capital partners require the owners to personally guarantee the loan. Requirements are confirmed in writing for each deal.
Terms are quoted deal by deal by phone. Timing depends on the properties, title, valuation, and how complete your information is, so no closing date is promised in advance.
Yes. Reinier reviews every request personally in English or Spanish, by phone, text, WhatsApp, or email.
Referring a client?
If a client owns several properties or a business building and needs capital, send them here or call me directly. I keep you informed with your client’s permission.