Most people think getting a real estate loan means walking into a giant bank, filling out forms, and hoping the underwriter is in a good mood that day. That’s the picture we’re sold. But it’s not the only one.
There’s a quieter corner of the lending world where things work differently. Two tools live there: the portfolio loan and the IRA loan. They don’t get much hype. No flashy ads. No viral TikToks. But for the right borrower, they can be the difference between buying a property and watching it slip away.
Let’s talk about what these loans really are, how they work, and why people who own rentals, land, or even retirement accounts keep coming back to them.
