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Program 09

Portfolio Loans in Boulder

Portfolio loans built for investors scaling their Boulder rental doors.

Instead of a separate mortgage on every door, we structure one blanket loan secured by your portfolio, with the option to release individual properties as you sell them. It is built for investors scaling past a handful of rentals, with loan amounts starting at $500,000 and terms from short to long. In Boulder County that portfolio can span a wide range of basis and tax structure in a single county, and we underwrite the properties as a set rather than one file at a time. Business-purpose only, subject to underwriting.

Portfolio Loans in Boulder, CO 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 Boulder, answered.

My Boulder County rentals sit in different towns. Does that complicate a blanket loan?
It changes what you underwrite for, not whether the portfolio can be financed. Boulder County's certified levies run from about 70.8 to 199.1 mills depending on the tax area, and the difference is not really about which town a door sits in, it is about which tax area. Two houses in Superior on the same street can carry very different total levies depending on which metro district taxes them, so a portfolio-level file should list tax area, not just city, for every property.
If I add a Boulder property to my portfolio loan, does its rental license come with it?
No. A Boulder rental license does not transfer with the property, and a change in ownership ends it. Every long-term rental in the City of Boulder needs its own four-year license, and a transfer of ownership triggers a fresh inspection before the license reissues. Budget the inspection and relicensing timeline into any acquisition you plan to fold into the portfolio, since the seller's license does not carry the deal.
Does every property in a Boulder portfolio need to meet the same energy standard?
Yes, independently, door by door. Every licensed rental unit in the City of Boulder must meet the SmartRegs energy efficiency standard as a condition of its own rental license, either the 100-point prescriptive path or a HERS rating of 120 or less. A portfolio does not average out; each unit carries its own compliance record, and an older property you add to the portfolio may need efficiency work before it can legally be leased.
Can I release one property from a Boulder portfolio loan when I sell it?
Yes, that is the structure. Rather than a separate mortgage on every door, the blanket loan covers the whole portfolio with the option to release individual properties as you sell them, so a single sale does not require refinancing the rest of the book. Because a Boulder rental license also ends at transfer, plan the sold property's relicensing timeline separately from the loan release itself.
If my portfolio includes a property in Erie, does that create a different tax picture?
It can. Erie straddles Boulder and Weld counties, and a parcel on the Weld County side sits under a different assessor and different certified levies than a Boulder County parcel. If your portfolio includes an Erie property, confirm which county the parcel is actually assessed in before treating it as part of the same Boulder County tax picture as the rest of the book.
Does Colorado require a specific entity structure to hold a rental portfolio?
Colorado does not impose a special entity mandate for holding rental property. The state has no franchise tax, no gross receipts tax, and no entity-level net worth tax on an LLC, and pass-through owners are taxed at Colorado's flat individual rate. That keeps the entity question a structuring and liability decision for you and your CPA or attorney rather than a state-imposed requirement, and it does not change the licensing or tax-area obligations that attach to each property regardless of how it is held.

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
Read the guide
Rental / DSCR · 5 min read
How to Finance a Rental Property in an LLC
Read the guide
Strategy · 5 min read
How to Scale a Rental Portfolio
Read the guide
Browse all guides
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Portfolio Loans vs. other options

Comparison
Portfolio Loan vs Individual Mortgages
See the comparison
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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 2026-08-28.

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