Rental Portfolio Guides by Size
What actually changes as a rental portfolio scales — financing, LLC structure, management, tax strategy. Pick the size closest to where you are or where you want to be.
- 1unitRealistic annual cash flow$3,000–$8,000
- 2unitsDTI credit for rental income75% of gross
- 3unitsReserves per property6 months PITI
- 5unitsPortfolio-loan DSCR floor1.20x
- 10unitsThird-party PM typical cost10% of rent + fees
- 25unitsSmall-bank commercial lender relationshipEssential
- 50unitsRolling capex per unit / year$800–$2,000
- 100unitsInstitutional-buyer threshold100+ units