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Program 09

Portfolio Loans in Amarillo

Amarillo portfolio loans across two counties and one appraisal district.

We structure one blanket loan secured by five or more properties, $500K and up, with the option to release individual properties as you sell. A portfolio across Potter and Randall counties answers to one appraisal district, although the two counties tax at different rates. Business-purpose loans only, subject to underwriting.

Portfolio Loans in Amarillo, TX from USA Mortgage
5+
properties
1
blanket loan
Single
payment
Most states
lending

Typical figures, subject to underwriting and market conditions. Not a commitment to lend.

How it works

Instead of a separate mortgage on every door, we structure one blanket loan secured by the portfolio, with the option to release individual properties as you sell them. It is built for investors scaling past a handful of rentals.

Who it's for
Investors with 5+ rentals
Buy-and-hold portfolios
Blanket / cross-collateral
Cash-out to keep scaling
Typical terms
Properties5 or more
StructureBlanket / portfolio
Loan amount$500K and up
TermCustom, short to long
PaymentSingle consolidated
ReleaseIndividual properties
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*Typical terms, subject to underwriting and market conditions.

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Local FAQ

Portfolio Loans in Amarillo, answered.

Does an Amarillo portfolio deal with one appraisal district or two?
One. Potter and Randall counties are both appraised by the Potter-Randall Appraisal District, so a portfolio across both protests on one calendar with one set of appraisers. The statewide protest deadline is May 15 or 30 days after the appraisal notice. We could not read PRAD's own protest calendar or reappraisal cycle, so confirm the dates with the district. The two counties still levy different rates, which is the diligence item.
How do the two county tax rates show up in a blanket schedule?
As a different line on every door. The 2025 county rate is 0.590240 per $100 in Potter and 0.400990 in Randall, and with the same city, school, and junior college rates the Amarillo stacks are 2.112080 and 1.922830, about $401 a year apart on a $212,025 house. Put each door's county in the schedule rather than averaging. A parcel in Tierra Blanca MUD #1 adds a full 1.000000.

Sources: comptroller.texas.gov

How many Amarillo or Borger doors reach a $500K portfolio?
Fewer in Amarillo than in Borger. As an illustration of value only, five doors at Amarillo's July 2026 Zillow value of $212,025 total about $1,060,125, while five at Borger's $109,012 total about $545,060. The loan is a fraction of value, set in underwriting, so the door count that clears the $500K minimum depends on leverage and the properties. The pitch here is basis: the same dollars buy more doors.
What does one hailstorm do to a multi-door Amarillo portfolio?
It can hit every roof at once. Deductibles apply per policy, and a 2% wind and hail deductible on a $212,000 house is about $4,240, so as an illustration ten such doors hit by one event carry up to $42,400 of deductibles. In 2025, paid homeowners wind and hail losses were $3,088 per policy in Potter County and $3,270 in Randall County. Ask your insurer how the portfolio is scheduled and what the roof ages are.

Sources: tdi.texas.gov

Can a portfolio include towns outside Amarillo's counties?
Yes, but each town has its own stack. Hereford (Deaf Smith County), Dumas (Moore County), and Borger (Hutchinson County) sit outside the Amarillo metro, and Panhandle is in Carson County. Their 2025 stacks, excluding groundwater overlays, were 2.017478 in Hereford, 2.415593 in Dumas (the heaviest in the region), and 2.232697 in Borger. The junior college line also changes by county: 0.219940 in Potter and Randall, 0.050000 in Moore, and 0.049116 in Deaf Smith. Do not carry the Amarillo rate outside Potter and Randall.

Sources: comptroller.texas.gov

More Portfolio Loans questions, answered on the program page

Resources

Guides for Portfolio Loans

Rental / DSCR · 5 min read
What Is a DSCR Loan? How Investors Qualify on Rental Income
Read the guide
Strategy · 6 min read
Financing the BRRRR Method: Buy, Rehab, Rent, Refinance, Repeat
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Rental / DSCR · 5 min read
How to Finance a Rental Property in an LLC
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Strategy · 5 min read
How to Scale a Rental Portfolio
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Portfolio Loans vs. other options

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Portfolio Loan vs Individual Mortgages
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About the local figures on this page

Local rules move. Every tax rate, fee, ordinance and market figure here comes from a primary source and carries the date we read it, and we correct them as the rules change. Where a number is mid-change or we could not verify it, we say so rather than guess. Before you commit a budget, confirm anything that drives it with the city or county, and talk to your attorney or CPA on questions of law or tax.

Published by USA Mortgage Funding, LLC, NMLS #152588. Researched from primary sources by our team, drafted with AI assistance, and every figure checked against its source before publishing. Where an answer rests on a public record, that record is linked under it. Figures read on 2026-09-04.

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