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- August 25, 2026
- Insights
Every lender says they run a “relationship business.” At Encore Finance, we actually have the receipts to prove it.
Some of the investors we’ve worked with started with one or two properties. Today, they own portfolios with hundreds of assets. We were the financing partner on that first deal, and today we’re helping finance portfolios with a hundred, two hundred, even five hundred properties.
As an originator, it’s been extremely rewarding to watch and participate in that growth.
For many investors, the next financing decision is already here. Many of the five-year loans originated in 2020 and 2021 are now approaching maturity, and investors are making the next financing decision in the life of those properties.
The environment has changed quite a bit since those loans were originated. Interest rates are higher, but property values have remained relatively stable, so we’re seeing a healthy amount of refinance activity.
As borrowers move from one stage of ownership to the next, their financing needs change too. Our job is to make sure we have the right solutions when those needs arise.
Different Stages Require Different Solutions
That’s one of the reasons why Encore has continued to expand and explore new ways to serve our borrowers even more effectively.
Over the past year, we’ve expanded our capital relationships and added new financing solutions that allow us to support borrowers across more stages of the investment lifecycle.
That includes long-term financing for stabilized rental portfolios and bridge financing for acquisitions and lease-up strategies. Together, they allow us to support a broad range of financing needs.
More recently, we’ve launched our DSCR loan program for individual investment properties. It’s a straightforward financing solution that expands the options available to investors who don’t need a portfolio loan.
The goal is simple: to make sure borrowers have financing that’s built for where they are today, not where they were five years ago.
Looking Ahead
One of the most rewarding parts of this business is seeing borrowers come back years later with a completely different opportunity than the one we financed together the first time.
Sometimes that’s a refinance. Sometimes it’s a larger portfolio. Sometimes it’s a new acquisition. Whatever the next step looks like, it’s satisfying to know we’ve continued growing alongside many of those investors.
Looking ahead, I’m excited to see where many of today’s borrowers are a few years from now. If the past has taught me anything, it’s that successful investors rarely stand still, and neither do their financing needs.
If you’re looking to refinance a maturing loan, growing a portfolio, or planning your next investment, I’d love the opportunity to help you think through the financing options available today. Shoot me an email at ian@encorefinance.com to start the conversation.
