RCN Capital Review for Investors with Multiple Rental Properties

The research in brief

RCN Capital is a good fit for an experienced investor seeking a blanket loan for a multi-property rental portfolio, but only with written term verification. Two of the seven platforms in this study named RCN Capital during the ranking stage (DeepSeek and Perplexity), and it finished with an average listed rank of 3.5 and a best rank of 1. The strongest reason to consider it: RCN expressly markets a Rental Portfolio Loan Program for consolidating multiple non-owner-occupied rentals under one loan, which directly matches the consolidation objective. The main limitation: RCN's public materials do not clearly state a minimum property count, and published terms conflict materially between its general investor portfolio page and its larger Structured Finance offering.

Research Snapshot

Why RCN Capital Qualified for This Study

Questions explored

• Why did RCN Capital qualify as a blanket loan lender for a multi-property rental portfolio?
• How many AI platforms named RCN Capital for consolidating several rental properties into one loan?

RCN Capital qualified because it directly markets rental portfolio and blanket-style financing rather than only single-property loans. RCN markets its Rental Portfolio Loan Program for consolidating existing rental properties and flexible long-term financing ^[21], and describes portfolio loans as consolidating multiple properties under one loan and simplifying payments and portfolio management ^[15]. RCN also states that in some cases multiple non-owner-occupied properties are cross-collateralized to secure the necessary loan amount ^[19].

The qualification threshold for this study was at least two platform mentions in the ranking stage. RCN Capital cleared that bar with two of seven platforms naming it: DeepSeek ranked it first and Perplexity ranked it sixth, producing an average listed rank of 3.5. That is a narrow mention base. Five of the seven platforms did not name RCN Capital during ranking discovery, so this review should be read as a fit assessment for a specific use case, not as evidence that RCN Capital is the most frequently recommended lender in the category.

The broader category context is available through the blanket loan for multi-property rental portfolio consensus index, which aggregates how the included platforms ranked lenders for this scenario.

The mortgage offering in focus

Questions explored

• Which RCN Capital program applies to a blanket loan for a multi-property rental portfolio?
• Does RCN Capital's Rental Portfolio Loan Program require a minimum number of properties or units?
• Is RCN Capital's Structured Finance portfolio loan the same product as its general investor portfolio loan?

The relevant product is RCN Capital's Rental Portfolio Loan Program, also described across platform responses as the Investor Rental Portfolio Loan or Rental Portfolio / Blanket Loan Program. RCN's current general loan-program page describes Structured Finance portfolio loans at $2 million to $75 million or more and 20 to 100+ units ^[21], while an older RCN loan-terms page lists a $55,000 per-property minimum and a $20 million overall portfolio maximum ^[13]. RCN's public materials do not clearly distinguish whether the general Investor Rental Portfolio Loan and the larger Structured Finance product are separate underwriting channels or size tiers of the same program.

Platforms disagreed on the minimum property count, and the disagreement is unresolved in the public record:

• Anthropic reported a minimum of 4 properties worth at least $100,000 as-is, sourced to an independent directory ^[32], with a standard maximum loan amount of $3 million and exceptions to $7 million ^[32].
• Grok reported a 20 to 100+ unit requirement for Rental Portfolio Loans ^[21].
• Google reported that the formal program targets 20 to 100+ units with a $2 million minimum loan amount, but noted a funded case study involving 8 investment properties ^[28].
• Perplexity cited older RCN guidance describing blanket loans as an option for consolidating five or more stable rental properties ^[10].
• OpenAI stated that RCN's public materials do not state a clear minimum property count for the general program ^[21].
• Kimi could not verify any blanket product specifics and rated the fit uncertain ^[5].

For a buyer with exactly three properties, this is the single most important unresolved question. RCN's own published portfolio terms accommodate properties as low as $75,000 in value assuming the average portfolio value still exceeds $100,000 ^[17], which suggests some flexibility at the property level, but no supplied source confirms a three-property blanket loan has been or will be approved.

What the AI Platforms Agreed About

Questions explored

• What do the AI platforms agree RCN Capital offers for multi-property rental portfolios?
• Does RCN Capital consolidate multiple rental properties into a single loan and payment?

Agreement was strong on product existence and purpose, and mixed on nearly everything else. Six of the seven platforms described RCN Capital as offering a rental portfolio or blanket loan product for multi-property investors ^[21]. Only Kimi could not verify the product's existence from independent sources ^[5].

The platforms agreed on these points:

• RCN Capital consolidates multiple non-owner-occupied rental properties under one loan structure ^[15].
• The consolidation reduces the number of monthly payments and simplifies portfolio administration ^[15].
• Eligible collateral includes non-owner-occupied 1-4 family properties, condos, townhomes, and 5-9 unit apartment buildings ^[21].
• Terms include 3-, 5-, 7-, and 10-year structures with 30-year amortization or interest-only options followed by balloon maturities ^[13].
• Cross-collateralization is standard, and individual-property release requires negotiation or a release payment ^[7].

Agreement among platforms does not establish product quality or current terms. Most of the supporting citations are company-owned pages, and the independent citations that exist are directories and reviews rather than verified loan documents.

Where the AI Platforms Disagreed or Were Uncertain

Questions explored

• Why do AI platforms disagree about RCN Capital's minimum property count and portfolio loan size?
• What is unclear about RCN Capital's portfolio leverage and release provisions?

Disagreement was concentrated in four areas, and none of them resolved cleanly.

Minimum property count. Anthropic reported 4 properties ^[32]. Grok and Google reported 20 to 100+ units ^[21]. Perplexity cited older guidance of five or more ^[10]. OpenAI said no clear minimum is published ^[21]. Kimi could not verify any threshold ^[5]. These are not minor variations; they span a range from four properties to twenty units.

Loan size. Anthropic reported a $3 million standard maximum with exceptions to $7 million ^[32]. Perplexity reported up to $1.5 million per individual property and $20 million overall ^[13]. Google and Anthropic both cited a $2 million minimum for the Structured Finance program ^[28]. OpenAI noted an older $20 million overall portfolio maximum ^[13]. The threshold at which a borrower moves from the general program to Structured Finance is not specified in any supplied source.

Leverage. Perplexity found conflicting figures of 70% and 75% LTV across RCN pages ^[21]. OpenAI reported published portfolio leverage of up to 70% for purchase and 65% for refinance for stronger-credit borrowers ^[21]. Google reported up to 70% LTV for purchase at 720+ FICO and up to 75% for cash-out refinances ^[11]. Grok reported up to 70% LTV tiered by FICO ^[21].

Release provisions. OpenAI found that RCN documentation states a release fee may apply and that an RCN article describes a possible 20% charge above the unpaid loan balance, but the current loan-program page does not confirm that this is universal ^[20]. Google found S&P Global presale data showing cross-collateralized RCN loans with lien release provisions requiring payment of 115% or 120% of the individual property loan amount ^[38]. Anthropic reported that release provisions are negotiable and not pre-set ^[7]. Perplexity and Kimi found no verified public release terms ^[21].

Mortgage features for this borrowing need

Questions explored

• What features does RCN Capital offer for consolidating several rental properties into one blanket loan?
• Does RCN Capital allow scattered-site or multi-state rental portfolios in a portfolio loan?

RCN Capital's use-case features center on consolidation, cross-collateralization, and portfolio-level underwriting. RCN describes portfolio loans as financing multiple properties under one loan, which can reduce the number of payments and simplify portfolio administration ^[15]. RCN's Structured Finance materials state that scattered-site and multi-state portfolios are acceptable ^[21], though it remains unclear whether those features are available on the smaller general program without deal-specific approval.

Two features deserve emphasis for this use case. First, RCN reviews each property in a portfolio separately to confirm it adds value, and underperforming properties can be excluded to improve overall leverage and rates ^[17]. Second, RCN's bridge-to-perm path allows a borrower who used RCN for a renovation bridge loan to refinance into a long-term DSCR or portfolio loan with less re-underwriting, which one independent review estimated saves 2-3 weeks and roughly $3,000 in holding costs on a $400,000 loan at 9% interest ^[37]. That estimate is platform-reported and not independently verified.

Rates, fees, and ongoing costs

Questions explored

• How much does an RCN Capital portfolio loan cost, and what fees apply to a blanket loan?
• Does RCN Capital charge an application fee or prepayment penalty on portfolio loans?
• What release fee applies when selling one property out of an RCN Capital blanket loan?

No current public interest-rate quote or complete fee schedule was verified for the Rental Portfolio Loan Program. Pricing confidence across platforms was low to moderate, and the supplied evidence does not support a reliable all-in cost figure.

What is documented:

• Advertised rate floors. RCN advertises long-term rental rates starting at 5.75% to 6.00% ^[18]. Google reported portfolio rates generally starting between 6.50% and 8.00% ^[11]. These are advertised floors, not quotes, and the portfolio program's actual rate was not verified.
• Upfront fees. RCN states it does not charge upfront fees during pre-approval and approval, such as an application fee ^[19]. Borrowers remain responsible for third-party costs such as appraisals ^[19].
• Third-party costs. Appraisal fees were reported at $600 to $1,500 or higher per property, with larger multifamily or mixed-use properties potentially costing more ^[34]. Inspection fees of $200 per draw request apply on construction or rehab loans ^[34].
• Origination points. Not explicitly disclosed for portfolio loans. Historical fix-and-flip examples show 4-5 points, which is a reference point rather than a portfolio quote (Evidence ID anthropic:19-6 context, platform-reported).
• Release fees. RCN documentation states a release fee may apply when a property is removed from a multiple-property loan ^[20]. An RCN article describes a possible 20% charge above the unpaid loan balance ^[8]. S&P Global presale data on securitized RCN loans shows release provisions requiring 115% or 120% of the individual property loan amount ^[38]. These figures do not reconcile, and applicability to any specific borrower is unconfirmed.
• Prepayment. Long-term rental loans generally include adjustable prepayment structures, and RCN's 30-year program has different prepayment penalty options ^[34]. One directory states programs longer than 18 months do have prepayment penalties ^[34].
• Maturity risk. General investor portfolio terms may include a balloon maturity after the selected 3-, 5-, 7-, or 10-year term ^[13].

The practical implication: a buyer cannot budget this loan from public information. Every cost line that matters, including the note rate, origination points, servicing fees, and the release formula, requires a written term sheet.

Best Suited For

Questions explored

• Who is RCN Capital best suited for when consolidating multiple rental properties into one loan?
• Is RCN Capital a good choice for an investor with four to ten urban or suburban rentals?

RCN Capital is best suited to an experienced investor with a portfolio large enough to satisfy portfolio-level underwriting and a tolerance for cross-collateralization. The platforms converged on this profile even where they disagreed on thresholds.

The strongest-fit buyer profile, drawn from the supplied findings:

• An investor consolidating multiple non-owner-occupied rental properties under one loan who wants simpler servicing ^[21].
• A borrower with four or more properties in urban or suburban areas, per the independent directory threshold ^[32].
• A portfolio with total loan needs in the $300,000 to $3 million range under the standard cap, or larger if a Structured Finance exception applies ^[32].
• A borrower with credit of 660 or higher and portfolio DSCR of at least 1.20 if credit is below 720 ^[19].
• A multi-state investor who needs one lender handling cross-collateralization ^[34].
• A repeat investor, since relationship-based rate discounts of roughly -0.125% to -0.25% were reported for repeat borrowers ^[31].
• A borrower who used RCN for a bridge loan and wants a streamlined refinance into long-term portfolio financing ^[37].

Investors comparing this profile against other lender types can browse the wider investment property and non qm mortgage lenders directory for category context.

Probably Not Best Suited For

Questions explored

• Who should not choose RCN Capital for a blanket loan on a multi-property rental portfolio?
• Does RCN Capital lend on rural properties or in every state?

Several buyer profiles are poor matches based on the supplied evidence.

• Investors with exactly three properties. Anthropic reported a 4-property minimum ^[32], and no supplied source confirms a three-property blanket loan. OpenAI explicitly flagged the three-property case as uncertain ^[21].
• Investors in excluded states. One directory lists nationwide lending except Alaska, North Dakota, South Dakota, Vermont, Nevada, and Utah ^[34]. Google listed Alaska, Nevada, North Dakota, South Dakota, and Vermont ^[28]. The two lists overlap but do not match exactly.
• Rural property owners. RCN considers urban and suburban areas only ^[34].
• Short-term rental operators. RCN does not accept Airbnb or VRBO income for DSCR calculation and requires traditional long-term leases ^[31].
• Portfolios needing more than $7 million. The standard cap was reported at $3 million with exceptions to $7 million ^[32].
• Investors who expect to sell individual properties frequently. Cross-collateralization places the whole portfolio at risk on default, and releases may be costly and require lender approval ^[7].
• Borrowers who need published pricing before applying. No current portfolio rate sheet or complete fee schedule was verified ^[19].
• Borrowers wanting to hold title personally. Google reported that RCN operates as a business-purpose lender and requires closing through an LLC or corporation ^[28].
• Investors needing the fastest possible closing. The reported average timeline is 28-30 days, described as solid but unexceptional ^[31].

When Another Option May Be Better

Questions explored

• When is a different lender better than RCN Capital for a multi-property rental portfolio?
• What should a buyer with only three rental properties consider instead of RCN Capital?

Another option may be better in five situations that the platforms identified directly.

When the portfolio is small. OpenAI recommended individual DSCR loans when the portfolio is only three properties, when high leverage matters more than one-payment servicing, or when the borrower wants each property isolated from the others. Kimi named Matrix Commercial Capital for 2-10 property blankets, FlexPoint for 2-25 property cross-collateralization, LendingStreet for 5+ property portfolios, Pinnacle Funding Network for 2-100 property scale with partial release at 120% of the allocated amount, and National Loan Provider for 5+ properties with rates from 6.49% ^[23]. These are competitor claims from company-owned pages and were not independently verified.

When frequent asset sales are expected. OpenAI recommended a lender with a clearly published minimum property count and standardized partial-release schedule. Perplexity similarly recommended another lender if a clearly documented release schedule is required.

When longer fully amortizing maturities matter. OpenAI recommended a bank or commercial portfolio lender when the borrower wants longer fully amortizing maturities and less balloon refinance exposure. Perplexity recommended another lender for long-term fixed-rate fully amortizing financing rather than balloon structures.

When the portfolio is large and institutional. OpenAI recommended a larger institutional portfolio lender when the portfolio approaches 20 or more units and requires non-recourse financing, larger loan sizes, or formal multi-state underwriting. Grok recommended considering lenders with lower minimums for portfolios under 20 units.

When published terms are a precondition. DeepSeek recommended an agency or bank portfolio product if the buyer needs published, transparent portfolio-loan terms before shopping, and conventional or agency financing if the buyer prioritizes the lowest long-term fixed rates.

Questions to ask before choosing a lender

Questions explored

• What should a buyer confirm with RCN Capital before signing a portfolio loan contract?
• Which RCN Capital program applies to a specific multi-property rental portfolio?

The verification list below consolidates the open items across platforms. Every one of these should be answered in writing before signing.

1. Will RCN accept exactly three properties, and is there a minimum total loan amount, unit count, or portfolio value ?
2. Which program applies: the general Investor Rental Portfolio Loan or Structured Finance ?
3. Are the properties cross-collateralized, and can the lender accelerate or re-underwrite the entire loan if one property underperforms ?
4. What is the exact partial-release formula, minimum release price, approval process, and timing for selling or refinancing an individual property ?
5. Is the partial-release fee 20% above the unpaid balance, or 115% to 120% of the allocated loan amount, and which applies to this loan ^[8]?
6. What are the note rate, index or fixed-rate structure, points, origination fee, underwriting fee, appraisal costs, legal fees, reserves, and servicing charges ?
7. Are there prepayment penalties, yield-maintenance provisions, defeasance requirements, or lockout periods ?
8. What are the exact maturity, amortization, interest-only, balloon, extension, and refinance provisions ?
9. How are portfolio DSCR, occupancy, rent rolls, vacancies, reserves, and property-level income calculated ?
10. Are scattered-site or multi-state properties permitted for this specific loan size and property mix ?
11. Will the loan be recourse or non-recourse, and what carve-outs or personal guarantees apply ?
12. Who will service the loan after closing, and will payments, reporting, and escrow administration run through one servicing platform ?
13. Does the portfolio qualify geographically, given the excluded-state lists do not match across sources ^[34]?
14. What is the minimum FICO that actually applies, given RCN states 660 while an independent review indicates 680 or higher for advertised rates ^[19]?

The consensus assessment

RCN Capital is a good fit for an experienced investor seeking a blanket loan across multiple rental properties, with material diligence requirements. It expressly offers rental portfolio financing and portfolio consolidation ^[21], and the platforms broadly agreed the product exists and matches the consolidation objective. It should not be selected without a written term sheet confirming that the specific portfolio qualifies, along with the exact rate, fees, maturity, cross-collateralization language, partial-release formula, servicing arrangement, and prepayment terms.

The fit ratings split across platforms: ChatGPT, Claude, and Perplexity rated it good; DeepSeek, Gemini, and Grok rated it mixed; Kimi rated it uncertain. That spread reflects the underlying evidence problem rather than disagreement about the product's existence. RCN Capital's public materials contain inconsistent terms across pages, no verified current pricing, and no confirmed minimum property count for the general program. For a buyer with four or more urban or suburban properties, strong DSCR, and a loan need inside the standard cap, RCN Capital is a credible candidate. For a buyer with exactly three properties, rural holdings, short-term rental income, or a need for published pricing before applying, the evidence points toward evaluating alternatives first.

How This Review Was Produced

This review was produced from platform fit-research responses collected for the use case "blanket loan for multi-property rental portfolio" under the topic "Best Blanket Loan Lenders for Investors with Multiple Rental Properties." Seven platforms supplied fit assessments: ChatGPT, Claude, DeepSeek, Grok, Perplexity, Kimi, and Gemini. Each platform evaluated whether RCN Capital fits the use case and supplied citations for its claims.

The ranking stage counted only platforms that named RCN Capital during ranking discovery. Two of seven did: DeepSeek and Perplexity. The remaining five platforms evaluated fit but did not name RCN Capital in the ranking stage, so their assessments inform the fit analysis without contributing to the mention count.

No personal testing, borrower interviews, or independent verification of RCN Capital's current rates, approval rates, or servicing practices was performed. All factual claims are attributed to the platform that supplied them, and company-owned sources are identified as such.

Research limitations

Several limitations materially affect how this review should be used.

• Company-owned citations dominate. The supplied citation catalog contains 27 owned sources and 12 independent sources. Company claims in this review are not independently verified.
• Platform research dates differ from the study date. The authoritative run research date is 2026-09-30. DeepSeek's platform-reported research date was 2026-01-15. Platform-reported dates are provenance metadata and do not independently prove freshness.
• One platform ran without search. DeepSeek's research capability record shows search disabled, so its findings are model-reported rather than retrieved.
• Conflicting product names and terms were not resolved. Minimum property counts, loan maximums, leverage figures, and release percentages conflict across sources. This review describes the conflicts rather than picking a winner.
• No current pricing was verified. No platform produced a current portfolio-loan rate sheet or complete fee schedule.
• Supplied URLs were not independently validated. The URLs were collected from platform responses and were not verified by the writer stage.
• Platform agreement is not quality evidence. Multiple platforms describing the same company-owned page does not establish that the product performs as described.
• Kimi's uncertainty is a finding, not a disagreement. Kimi could not verify the blanket product from independent sources; that absence of evidence should not be read as evidence the product does not exist.

Sources

Company-Owned Sources

1. Rental Portfolio Loans | National Loan Provider: https://dominickprevete.com/rental-portfolio-loans
2. Cross Collateral DSCR | FlexPoint Inc. NMLS #243082: https://flexpointinc.com/loan-programs/non-qm/cross-collateral
3. Blanket Portfolio Loans & Cross-Collateralization | LendingStreet: https://lendingstreet.io/blanket-portfolio-cross-collateral.html
4. Blanket & Portfolio Loans - Finance Multiple Properties | LendingStreet: https://lendingstreet.io/blanket-portfolio-loans
5. RCN Capital - Official Website: https://rcncapital.com
6. Close More Deals with RCN Capital's Broker-Focused Loan Programs: https://rcncapital.com/blog/close-more-deals-with-rcn-capitals-broker-focused-loan-programs
7. Cross-Collateral Loans Explained: Smarter Portfolio Growth for Investors: https://rcncapital.com/blog/cross-collateral-loans-explained-smarter-portfolio-growth-for-investors
8. Real Estate Financing: Single Assets vs. Portfolios: https://rcncapital.com/blog/decisions-decisions-determining-whether-investing-in-a-single-asset-or-building-out-a-real-estate-portfolio-is-the-right-strategy-for-you
9. How Portfolio Financing Supports Investors Expanding Across Multiple Markets: https://rcncapital.com/blog/how-portfolio-financing-supports-investors-expanding-across-multiple-markets
10. How to Choose the Best Rental Portfolio Loans: A Guide: https://rcncapital.com/blog/how-to-choose-the-best-rental-portfolio-loans
11. How to Choose the Best Rental Portfolio Loans: A Guide - RCN Capital: https://rcncapital.com/blog/how-to-choose-the-best-rental-portfolio-loans-a-guide
12. Qualifying for a Portfolio Loan: What Lenders Look For and How to Prepare: https://rcncapital.com/blog/qualifying-for-a-portfolio-loan-what-lenders-look-for-and-how-to-prepare
13. RCN Capital's Loan Terms: https://rcncapital.com/blog/rcn-capitals-loan-terms
14. Rental Portfolio Loans: Streamline Investment Financing - RCN Capital: https://rcncapital.com/blog/rental-portfolio-loans-streamline-investment-financing
15. Unlocking Long-Term Growth with Rental Portfolio Financing: https://rcncapital.com/blog/unlocking-long-term-growth-with-rental-portfolio-financing
16. Rental Portfolio Loans: Streamline Investment Financing: https://rcncapital.com/blog/unlocking-real-estate-growth-a-simplified-guide-to-rental-portfolio-loans
17. Workarounds and Exceptions to Keep in Mind When Working with a Lender – Pt. 1: https://rcncapital.com/blog/workarounds-and-exceptions-to-keep-in-mind-when-working-with-a-lender-pt-1
18. BiggerPockets Loan Programs - RCN Capital: https://rcncapital.com/bp-loan-programs
19. Frequently Asked Questions - RCN Capital: https://rcncapital.com/faqs
20. RCN Capital Real Estate Documentation & Fee Terms: https://rcncapital.com/hubfs/RCN_White_Paper_Series_Documentation_Fees.pdf?hsLang=en
21. Loan Programs - RCN Capital: https://rcncapital.com/loan-programs
22. Blanket Loans for Landlords: Portfolio Loan Programs | RHF: https://rentalhomefinancing.com/blanket-loans.html
23. Residential Portfolio Loans | Blanket Financing | Matrix Commercial Capital: https://www.matrixcommercialcapital.com/products/residential-portfolio-loans
24. Portfolio & Blanket DSCR Loans 2026: 2 to 100 Rentals: https://www.pinnaclefundingnetwork.com/portfolio-dscr-loans.html
25. Best Markets for Portfolio Loans: Why Tallahassee Is a Top Pick in 2026 - YouTube: https://www.youtube.com/watch?v=F3P_7S2vExU
26. Official pricing and terms source: https://rcncapital.com/investing-terms
27. Official pricing and terms source: https://rcncapital.com/terms-use

Independent Sources

28. RCN Capital Review 2026: 15-Year Track Record, $8.2B Originated, Wholesale-First Balance-Sheet Lender: https://crowdfundedwealth.com/rcn-capital-review/
29. RCN Capital Loans & Hard Money Financing | FlipperForce: https://flipperforce.com/lenders/rcn-capital
30. How Cross-Collateralized Real Estate Loans Work | Investments: https://hcsequity.com/blog/how-cross-collateralized-real-estate-loans-work/
31. Rcn Capital DSCR Review | HonestCasa: https://honestcasa.com/blog/rcn-capital-dscr-review
32. RCN Capital - loanbase.com: https://loanbase.com/top-lenders/rcn-capital/
33. RCN Capital - Private Lender Link: https://privatelenderlink.com/lenders/rcn-capital/
34. RCN Capital - Private Lender Link: https://privatelenderlink.com/profile/rcn-capital/
35. What Is a Blanket Mortgage?: https://www.experian.com/blogs/ask-experian/what-is-blanket-mortgage/
36. RCN Capital company profile: https://www.novacredit.com/lenders/rcn-capital/
37. RCN Capital Reviews (2026): Rates, Fees & The "Georgia" Warning: https://www.realestateskills.com/blog/rcn-capital-review
38. Presale: EFMT 2025-INV2 | S&P Global Ratings: https://www.spglobal.com/ratings/en/research/articles/250425-presale-efmt-2025-inv2-13531000
39. Presale: NYMT Loan Trust 2026-INV2 | S&P Global Ratings: https://www.spglobal.com/ratings/en/research/articles/260325-presale-nymt-loan-trust-2026-inv2-13511200