Advice on portfolio loans

[Andre Houston]

Hello my name is Andre Houston I am a real estate investor. I have 3 properties so far 2 rentals and 1 primary. I bought my first house 5 years ago for 200,000. I bought my second property 4 years ago. My primary was purchased 2 years ago. My first property is probably worth 250,000 and I owe about 194,000 second property I paid 300,000 and its worth about 523,000 an I owe about 275,000 and my third property I paid 500,000 but I refinanced it because I basically turned it into a duplex it's a split level home I'm renting my downstairs out but I owe about 514,000 an it's worth 834,000. I have been working for 9 years my credit score is about 775 I'm on a medical leave right now so I'm not able to show income but I have so much equity in all three homes do you think I could get a portfolio loan for just my rentals I don't really want to add my primary in it unless I have to or what other options do I have since I'm not a w2 worker right now. Thanks for your input I know it's a long post but I just wanted to make sure I put all the Information out.

[Jonathan Taylor]

@Andre Houston try a local credit union or bank for tapping into your equity on the Investment properties. My lenders have a 5 unit minimum on portfolios but I have seen local institutions who do minimum of two. Income may be an issue since qualifications may include that but I am not privy on their UW guidelines. If that doesnt work, we could do two DSCR loans, one for each property but that would incur two sets of loan costs which is why that wouldnt be my first choice.