Zillo portfolio values properties I own at 1.2 million. How can I borrow against the portfolio?

This is exactly the type of situation I specialize in, but is much too complex to say from the limited amount of information provided whether or not it'd be possible to lend on that. You MAY need a 'blanket loan' but the ability to acquire one of those may be inhibited by the seemingly low value/unit you have in your portfolio. 22 homes with a total value of 1.2M puts it just shy of $55k/unit, which is typically lower than a lender would want to lend on (although great for your buy, hold and rent strategy - so kudos to you). But then again, you may not; there may be other options available to you. Typically, I never personally recommend myself on a forum like this, but I'm not sure you can get the answers you need in many other places other than trying a local mortgage broker you're comfortable with, preferably with at least 5-10 years experience and access to private money.I wish you the best of luck - Have a great weekend!

You're looking at a blanket loan which is considered to be more along the lines of commercial. Look up a smaller local banks that may be able to do a small commercial loan for you.

I have your 480k. Call me to discuss...I have Fannie Freddie Fha and USDA. We are a Direct Servicer and Seller to Fannie Freddie and Ginne. We are not a Broker, we are not a correspondent (which basically is a broker). We lend over 1.3 billion a month. Service over 80 billion. If your an investor we have Reo property we sell and finance. Most importantly we have a Propriety Product called Fresh Start. Program for people with major credit events (bankruptcy, foreclosure, Deed in lieu, Short Sale, etc).. 1 day out of any of these events with atleast a 600, we may have a solution for you. This goes for Primary, Second Home, or Investor... No broker or Correspondent has this product.. Only can get at Caliber Retail. Call me 954 558 4430. Even better yet complete and fastest service do your application securely at www.firstfloridafin.com "apply online securely" I will notified instantly and call you to discuss. Thank You . Have a Blessed day :)