I usually explain to them that previously returns were higher as Interest rates were lower, thus cost of debt was cheaper, (So I start with the depreciating returns on the single buildings) Then I move onto the Diversification and mitigation of risk being in a portfolio. Banks also prefer to provide credit to portfolios as well as Portfolios are more appealing in the market when it comes to selling. So focus on all the positives before focusing on the new term but as always the terms are a forecast as we know and purely dependent on market conditions. You can add the annual liquidity events to this is they desperate to get out and you can even say this was designed for old Investors who no longer wished to earn on their Investments and cash out.