Skip to main content
Apply nowApply now
Direct private lending in most states
Call us anytime at 512-617-9400
Program 08
Portfolio Loans in Denver
Denver rental portfolios, financed together in one portfolio loan.
Built for investors who own multiple properties. Roll five or more rentals into one blanket loan with a single payment, free up capital to keep scaling, and release individual properties as you sell. A Denver-metro book crosses rental rules that change by city and tax districts that shift by parcel, not by county. Business-purpose only, and every structure is set in underwriting.
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
*Typical terms, subject to underwriting and market conditions.
Run your Portfolio Loans numbers.
Pressure-test the deal in seconds with our free portfolio loan calculator, no sign-up required.
Local FAQ
Portfolio Loans in Denver, answered.
Why does a blanket loan fit a Denver-metro rental portfolio in particular?
Because tracking each city's own rental rules door by door gets harder the more doors you own here. Denver requires a city rental licence on every long-term unit, a four-year term with a third-party inspection, and the maximum fine for an unlicensed rental is now $5,000 per violation. Aurora and Lakewood limit short-term rentals to the owner's primary residence, Arvada allows a non-resident investor up to three short-term rental properties citywide, and unincorporated Jefferson County caps an investor at one licensed short-term rental with a 750-foot buffer from the next one. One blanket loan with a single payment is simpler to manage than reconciling each property's own note against a different city's rulebook. See DSCR loans if you would rather finance doors one at a time. Subject to underwriting.
My portfolio has doors in Denver and in a newer Douglas County subdivision. Does the tax underwriting change parcel by parcel?
Yes, and the spread is large enough to change the deal. Denver's own total general levy runs 79.202 mills, city-wide (tax year 2024). Douglas County publishes a separate mill levy for every one of its 631 tax districts, running from 69.821 to 279.845 mills with a median of 103.394 (tax year 2025); the worst case, a Castle Rock district carrying six stacked Meadows Metro Districts, totals 279.845 mills. On an identical $600,000 house that is about $3,221 in Denver against about $10,713 in that Douglas County district, roughly 3.3 times higher. Price each parcel's own tax district before you set the portfolio's blended pro forma, not the county average.
If I buy a metro-district property through an investor entity rather than as an owner-occupant, do I still get the district's disclosure?
You should still ask for it, but do not rely on it alone. Colorado law (CRS 38-35.7-111, effective for sales on or after January 1, 2024) requires a seller of residential property inside a metropolitan district formed since 2000 to provide the district's official website, which discloses its services, board meetings, authorized debt and maximum mill levy. That duty is written to run to sellers of residential property, so on an investor-to-investor or entity-to-entity deal, pull the parcel's tax district number from the county assessor yourself and check it against the county's own published mill-levy file rather than assuming a disclosure will be handed to you.
If one property in my Denver-metro portfolio needs to be foreclosed, does that hold up the rest of the loan?
No, our portfolio loans are structured with the option to release individual properties as they are resolved. Colorado forecloses through the public trustee system: the sale is set 110 to 125 days after the notice of election and demand records on non-agricultural property, and there is no owner redemption after a public trustee sale, only junior lienors get a redemption window. That timeline runs on the one property in default, so a single door's foreclosure does not force a refinance or default event across the rest of the book. Anything involving how a specific release interacts with your loan documents is a question for us at underwriting.
Does holding a multi-county Denver-metro portfolio in one LLC create extra Colorado entity tax just for spanning counties?
Not for spanning counties, and likely not much extra tax at all if it is a typical investor LLC. Colorado has no franchise tax, no gross receipts tax, and no entity-level net worth tax on LLCs; pass-through owners pay the flat 4.40% individual income tax rate regardless of how many counties the portfolio's doors sit in. That filing posture attaches to the entity, not to each county a property sits in. Confirm your entity's specific filing obligations with your Colorado CPA before you close.
Should I underwrite my Denver-metro portfolio's rent off the metro's overall rental index?
Not if the book is mostly single-family houses. Metro Denver's blended rent index across all property types ran $1,930 in June 2026, but the single-family figure alone ran $3,018, up 1.0% year over year while the blended figure fell 1.3%. Against the $599,059 metro mid-tier single-family value that is roughly a 6.0% gross yield on detached stock versus 3.9% on the blended index. A portfolio pro forma built off the blended market rent will undersize a book of detached rentals.
How many Denver doors do I need before a portfolio loan makes sense?
Five or more. That is the floor for a blanket structure, and the loan amount starts at $500K. Below that, financing doors one at a time on DSCR loans is usually the cleaner path. Above it, the appeal is a single consolidated payment instead of five notes across five Denver-metro cities running five different rulebooks. Subject to underwriting.
What is the smallest Denver portfolio loan you will write?
$500K and up. The term is custom rather than a fixed product, because a Denver-metro book rarely looks like a template: doors inside Denver carry a city rental licence, and a parcel in a Douglas County metro district can carry several times Denver's own mill levy. Send the rent roll and the parcel list and we will size it against the actual book. Subject to underwriting.
Can I sell one Denver property out of a blanket loan without refinancing the whole book?
Yes. Individual property release is part of the structure. A blanket loan across five or more properties carries one consolidated payment, and a door can be released as it sells rather than forcing a refinance across the rest of the Denver book. How a specific release works is set in your loan documents. Subject to underwriting.
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 Compare
Portfolio Loans vs. other options
More in Denver
Other programs in Denver
Fix and FlipUp to 90% / 100% rehabRental / DSCR30-yr fixed, DSCR from 0.75Ground-Up ConstructionUp to 70% LTV, most statesCRE BridgeUp to $10M, 24-36 moTransactional FundingSame-day double-close capitalBank Statement / No-DocNo tax returns requiredConventional InvestmentNon-owner-occupied investmentCRE PermanentLong-term agency & permSBA Financing7(a) & 504 placement
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 2026-08-15.
Funding Denver deals fast.
Get real terms, usually same day. No obligation, no hard credit pull to start.