Portfolio Loans, Condotel Financing &
Strategic Luxury Property Solutions

— ABOUT PORTFOLIO LOANS

Pacific Home Loans provides in-house funded Portfolio Lending solutions for luxury homes, resort properties, condotels, high-value condominiums, and complex real estate transactions that require greater flexibility than traditional agency and jumbo lending guidelines allow.

Our Portfolio Lending platform specializes in:

Condotel financing  •  Luxury home financing  •  Resort property financing  •  Jumbo and super jumbo loans  •  High-value condominium financing  •  Strategic liquidity structuring  •  Pledged asset lending  •  Cross-collateralization  •  Complex borrower scenarios  •  Non-standard property types

When conventional lending stops, Portfolio Lending creates additional flexibility through customized structuring designed around the borrower, the property, and the overall transaction strategy.

— CONDOTEL FINANCING

Pacific Home Loans is one of the most experienced condotel lenders in the country, with over 20 years of specialized condo financing experience. Most experienced condo lenders no longer classify a condo as a condotel simply because the project legally allows nightly rentals – and many vacation rental condos are actually non-warrantable resort condominiums rather than true condotels.

For eligible non-warrantable resort condos with lower down payments (from 20%):
→ PrimeResort™ Vacation Rental Condo & Resort Financing

For DSCR qualification on condotels and short-term rental properties:
→ DSCR / Investor Cash Flow Loan Programs

— LOAN TIERS

Pacific Home Loans structures Portfolio financing across three loan tiers, with loan amounts available from $250,000 to $30,000,000 depending on property type, borrower profile, liquidity, and transaction complexity:

Loan sizing depends on liquidity, asset strength, reserves, property type, occupancy, and transaction complexity. All loans subject to underwriting review and investor approval.

— STRATEGIC LENDING

Portfolio Lending is not simply about loan size – it is about flexibility. Pacific Home Loans structures advanced financing strategies designed for borrowers whose transactions require more than standard underwriting.

Pledged Asset Strategies
High-net-worth borrowers may leverage brokerage accounts, investment portfolios, or other liquid assets to strengthen a transaction without immediate liquidation. These structures preserve investment positioning, reduce taxable liquidation events, improve liquidity management, and enhance overall financing strength.

Cross-Collateralization
Equity from other real estate holdings may be used to strengthen a purchase transaction, reduce cash required at closing, or improve overall leverage positioning. Cross-collateralization structures are commonly used by real estate investors, luxury buyers, and borrowers managing multiple properties simultaneously.

Contingent-to-Non-Contingent Execution
Portfolio financing can convert contingent offers into non-contingent offers, allowing buyers to secure a replacement property before selling another, bridge liquidity timing gaps, or strengthen offers in competitive markets requiring non-contingent execution. A meaningful advantage in luxury and resort markets where timing and certainty matter.

Integrated Liquidity Planning
Portfolio structures may accommodate delayed asset liquidation, bonus and RSU vesting schedules, liquidity events, business transitions, and tax-planning windows. These structures are built around the borrower’s broader financial strategy – not just the mortgage itself.

Loan Recast Flexibility
Many Portfolio loans may be structured with recast flexibility, allowing borrowers to reduce monthly payments after large principal reductions without requiring a refinance. Commonly used after property sales, liquidity events, investment account liquidation, or bonus distributions.

— PROPERTY TYPES

Pacific Home Loans Portfolio programs may finance property types and ownership structures that many traditional lenders avoid, including:

• Condotels and condo hotels
• Resort-branded residences
• Luxury condominiums and high-rise luxury units
• Luxury homes
• Short-term rental luxury homes
• Non-warrantable condominiums
• Mixed-use developments
• Leasehold properties
• Co-ops
• Large-acreage luxury estates and ranch properties
• Builder model leasebacks
• Boarding houses and group homes
• Properties held in LLCs or entity vesting structures
• Cross-collateralized transactions
• Bridge-to-sale scenarios

All transactions remain subject to underwriting review and investor guidelines.

— BORROWER PROFILE

Portfolio financing may be appropriate for:

• High-net-worth borrowers and luxury home buyers
• Luxury condominium buyers
• Condotel purchasers
• Resort property investors
• Short-term rental property owners
• Borrowers with complex liquidity structures
• Foreign national buyers
• Real estate investors
• Buyers requiring strategic financing flexibility
• Borrowers exceeding traditional jumbo guidelines
• Transactions involving timing-sensitive liquidity events

— MARKETS SERVED

— PHL CAPITAL PLATFORM

Pacific Home Loans structures financing using a tiered capital platform based on property classification, borrower profile, liquidity, transaction complexity, and strategic financing objectives.

Agency Financing
Conventional, FHA, VA, and traditional jumbo programs for borrowers and properties meeting standard guidelines
↓
PrimeResort™
Non-warrantable condo and vacation rental condo financing for resort-style condominium projects
↓
Non-QM / Alternative Documentation
Flexible qualification using DSCR, bank statements, asset-based qualification, 1099 income, foreign national documentation, and short-term private money / bridge financing
↓
Portfolio Lending
Condotels, luxury property financing, jumbo and super jumbo lending, and advanced strategic structuring

— COMMON QUESTIONS