A portfolio review can reveal opportunities, but grouping properties is not automatically better than handling each asset separately.
Map every property first
Build a schedule of rents, values, payoffs, payments, maturities, occupancy, condition, and ownership before choosing a structure.
Separate loans preserve flexibility
Individual financing can make future sales or refinancing more independent, though it may require multiple transactions and reviews.
Portfolio structures create connections
They may consolidate financing but can add cross-collateralization, release, concentration, and prepayment considerations.
Sequence around the business plan
Prioritize maturities, expensive debt, stable properties, equity needs, and planned sales rather than refinancing every asset at once by default.