What Is a Blanket Loan?
A blanket loan is a single mortgage that covers multiple properties under one loan agreement. Instead of managing separate mortgages for each rental property, investors consolidate their portfolio into one payment with one set of terms. This simplifies portfolio management and often unlocks better rates than individual property loans.
At Rental Home Financing, we specialize in blanket loans for landlord financing designed for the entrepreneur investor. Whether you own 3 properties or 300, our programs are built to help you scale your rental business with competitive rates and flexible underwriting.
One Payment, Multiple Properties
Consolidate your rental portfolio into a single mortgage with one monthly payment instead of juggling separate loans.
No Personal Tax Returns
We base decisions on LTV, credit, loan size, net worth, and property cash flow — not your personal returns.
Unlimited Cash Out
Access the equity in your rental portfolio with cash-out refinancing to fund new acquisitions or improvements.
Benefits of a Blanket Mortgage for Investors
Why Investors Choose Blanket Loans
Managing multiple individual mortgages creates administrative overhead, multiple closing costs, and inconsistent terms across your portfolio. A blanket mortgage eliminates this complexity by wrapping everything into one loan with a single servicer.
With a blanket loan you can sell individual properties without triggering a due-on-sale clause on the entire portfolio. Each property has a release clause allowing you to sell when it makes sense for your investment strategy.
Our programs are designed for landlords who write off expenses and may show a small or even a loss on business returns. We understand the investor business model and base our decisions on property cash flow, not personal income documentation.
Property Types We Finance
Our blanket loan programs cover a wide range of residential investment property types across the country. Whether you have a portfolio of single-family rentals spread across multiple states or a collection of small multifamily buildings, we have a program that fits.
Single-Family Rentals (SFR)
The most common property type in our portfolio loans, from 3 to 500+ homes.
2–4 Unit Properties
Duplexes, triplexes, and four-plexes qualify for our blanket loan programs.
Townhomes & Condos
Warrantable condos and townhome rentals can be included in your portfolio loan.
Multi-State Portfolios
Properties located in different states can be combined into a single blanket loan.
Who Qualifies for a Blanket Loan?
Our blanket loan programs are designed for real estate investors at every stage — from landlords with a handful of rental homes to institutional investors managing hundreds of doors. We focus on the strength of your portfolio, not your personal income statement.
Blanket Loan Eligibility
Blanket Loan vs. Individual Mortgages
Many landlords start out with individual mortgages on each property. As the portfolio grows, managing 5, 10, or 20+ separate loans becomes a burden. Here's how a blanket loan compares to the traditional approach.
Simplified Administration
One lender, one payment, one set of loan documents. No more tracking multiple due dates, escrow accounts, and servicer requirements across your entire portfolio.
Portfolio Leverage
Strong-performing properties in your portfolio can offset weaker ones. Lenders evaluate the overall DSCR of the pool, giving you more flexibility than individual property underwriting.
Flexible Release Clauses
Sell any individual property at any time without refinancing the entire loan. Release clauses let you dispose of assets strategically while the remaining properties stay on the blanket mortgage.
Our Underwriting Approach
As private equity lenders that specialize in rental property, we understand that most landlords write off expenses and may show a small or even a loss on business returns. That's why all of our decisions are based on the LTV, credit, loan size, net worth, and cash flow of the collateral — not your personal tax returns.
There are several underwriting pathways that can be tailored to your specific loan requirements, offering competitive non-bank products that enable you to expand your rental business. We review the cash flow of the properties and ensure they cover the annual debt service ratios of >1.15, a commercial term that confirms the property income exceeds the mortgage payment.
With over $5.5B under management, low fixed bulk rental property mortgage loans for acquisitions, improvements, and restructuring, in addition to lines of credit and credit facilities for rapidly growing investors and investment companies — it's hard to find a financing partner that even comes close.
Blanket Loan Parameters
Our blanket loan programs offer competitive terms for rental property investors. Review the chart below for an overview of available fixed-rate options with 30-year amortization.
| Term | Type | Prepay Prd. | Recourse | Max LTV | Min. DSCR | Min. Loan |
|---|---|---|---|---|---|---|
| 5 years | Fixed / 30yr amort | Options | Non-recourse | 75% | 1.20x | $300K |
| 10 years | Fixed / 30yr amort | Options | Non-recourse | 75% | 1.20x | $300K |
| 30 years | Fixed / 30yr amort | Options | Full recourse | 75% | 1.15x | $300K |
| 30 years | Fixed / 30yr amort | None | Full recourse | 80% | 1.15x | $75K |
Ready to Get Started?
Call us today at 888-375-7977 and speak with one of our qualified representatives about your blanket loan options. Or apply online now and we can review your rental property portfolio to find the best program for your investment goals.
For more information about our lending programs, explore our complete guide to blanket loans, learn about refinancing your rental portfolio, or see how foreign national investors can qualify for financing.
