RentalHomeFinancing.com, a National multifamily blanket loan lender providing competitively priced, fixed rate, 3, 5, 7, or 10 year term mortgages, has recently announced the roll out of new expanded approvals for multifamily apartment building and all residential properties secured by at least 5 leases.
Our multifamily and blanket loans are specifically geared toward income properties and professional investors on a Nationwide basis. Our underwriting guidelines are "Make Sense" and we are aggressively lending in today's market.
What Is a Blanket Loan and How Does It Work?
A blanket loan is a type of real estate loan that covers all the debt on multiple properties under a single mortgage. Rather than maintaining separate loans for each property in your portfolio, a blanket loan consolidates everything into one streamlined financing arrangement. This type of loan is commonly used for commercial and multifamily properties, but it can also be applied to residential investment portfolios. For multifamily investors who own apartment buildings, senior living facilities, or mixed-use properties, a blanket loan simplifies both the financing process and ongoing portfolio management.
Blanket loans are not a new form of financing — they have been a trusted tool for real estate investors since the 1980s. They remain popular because of their flexibility and the ability they give borrowers to consolidate different types of loans under one mortgage. Instead of tracking multiple payment schedules, interest rates, and maturity dates, investors can focus on growing their portfolio with the confidence that their financing is structured efficiently.
How Blanket Loans Can Help You Save Time and Money
One of the greatest advantages of a multifamily blanket loan is the simplicity it brings to portfolio management. When all of your loans are consolidated under one mortgage, you eliminate the headache of juggling multiple lenders, payment dates, and escrow accounts. This streamlined approach not only saves you administrative time but can also reduce your overall borrowing costs through economies of scale. Many investors find that the combined closing costs, origination fees, and servicing expenses of a single blanket loan are significantly lower than maintaining separate mortgages for each property.
Beyond the cost savings, blanket loans offer strategic advantages for portfolio growth. With a single lender relationship and a unified mortgage structure, you can negotiate better terms as your portfolio expands. Our multifamily blanket loan program also features a release clause that allows you to sell individual properties from the portfolio without triggering a full payoff of the entire loan — giving you the flexibility to rebalance your investments as market conditions change.
Unlimited Funding for Multifamily Investors
Borrowers and brokers now have access to an unlimited fund, backed by experienced professionals, eager to lend money on make-sense opportunities. Our attractive financing options feature no seasoning, reasonable underwriting guidelines, unlimited properties, and unlimited cash out options. Whether you are acquiring your first multifamily building or adding to an established portfolio of apartment complexes, our program scales with your ambitions. Call us today to discuss your specific financing needs.
Unlike conventional lenders who impose strict limits on the number of financed properties, our multifamily blanket loan program has no cap on portfolio size. This means investors can continue to acquire income-producing apartment buildings, senior living facilities, and mixed-use properties without hitting artificial lending ceilings. Our experienced underwriting team evaluates each deal on its own merits, focusing on cash flow, DSCR, and the overall strength of the investment rather than arbitrary portfolio limits.
Program Highlights
MULTIFAMILY BLANKET LOAN
- NO Seasoning for cash out
- NO Limits to properties financed
- Foreign National programs
- LTVs up to 75%
- 1.0 – 1.2x DSCR
- Bridge loan financing available
Expanded Approvals
APARTMENT BUILDINGS
- Non-recourse options to 75% LTV
- $500K to $100M loan amounts
- Rates starting at 4% and up
- 5 – 10 year fixed rates
- 30 year amortization
- Interest only options at 60% LTV
- Credit challenged borrowers OK
Property Types
ELIGIBLE PROPERTIES
- Apartment buildings 5+ units
- Senior living facilities
- Assisted living facilities
- Student housing
- Mixed-use properties
Why Choose Our Multifamily Blanket Loan Program
Our expanded approval program gives apartment building investors access to captive equity with competitively priced fixed-rate mortgages. Whether you own a single 5-unit complex or a portfolio of multifamily properties across the country, our make-sense underwriting approach means more deals get funded.
With non-recourse options up to 75% LTV, loan amounts from $500K to $100M, and 30-year amortization schedules, our program is built for serious multifamily investors who need flexible, scalable financing solutions.
Expanded Approvals for Multifamily Investors
Our expanded approval program offers access to captive equity for multifamily investors who need financing that works with them, not against them. Whether you are looking to acquire new apartment buildings, refinance existing hard money loans, or pull cash out of your portfolio, our multifamily blanket loan program is designed for income-producing properties secured by at least 5 leases.
Traditional lenders often reject experienced investors simply because of past credit events, self-employed income structures, or portfolio complexity. Our program takes a different approach. We evaluate the strength of the underlying assets — rental income, occupancy rates, and property condition — rather than relying solely on personal credit scores. This asset-based underwriting philosophy means that if your properties generate solid cash flow and meet our DSCR requirements, you have a strong path to approval regardless of your personal financial history.
Unlimited Cash Out
No seasoning requirements for cash out refinances. Access your equity immediately to grow your portfolio.
No Property Limits
Finance unlimited properties under a single blanket mortgage. Scale your multifamily portfolio without constraints.
Non-Recourse Options
Protect your personal assets with non-recourse loan structures available up to 75% LTV for qualifying investors.
How to Choose Which Blanket Loan Fits Your Needs
Choosing the right blanket loan depends on several factors specific to your investment strategy and portfolio composition. Consider the size of your multifamily portfolio, your short-term and long-term investment goals, and whether you prioritize lower monthly payments through interest-only options or faster equity building through fully amortizing structures. Investors who plan to hold properties for the long term may benefit from a 7 or 10 year fixed-rate term, while those pursuing a value-add strategy with a planned exit may prefer a shorter 3 or 5 year term with maximum flexibility.
You should also evaluate whether non-recourse protection is important to your risk management strategy. Our non-recourse options are available up to 75% LTV, shielding your personal assets from liability beyond the collateral properties. For investors with credit challenges, our expanded approval guidelines focus on the property's income performance rather than personal credit history alone. Our team at Rental Home Financing will work with you to analyze your portfolio, evaluate your DSCR, and recommend the optimal loan structure for your specific situation. Call us at 888-375-7977 for a personalized consultation.
Multifamily Blanket Loan Parameters
Our multifamily blanket mortgage program offers competitive terms designed for professional apartment building investors. Review the loan parameters below and contact us to discuss how we can structure the right financing for your portfolio.
| Term | Type | Recourse | Max LTV | Min. DSCR | Amortization |
|---|---|---|---|---|---|
| 3 years | Fixed | Non-recourse | 75% | 1.0x | 30 years |
| 5 years | Fixed | Non-recourse | 75% | 1.0x | 30 years |
| 7 years | Fixed | Full recourse | 75% | 1.2x | 30 years |
| 10 years | Fixed | Non-recourse | 75% | 1.2x | 30 years |
How to Apply for a Multifamily Blanket Loan
Getting started with a multifamily blanket loan from Rental Home Financing is straightforward. Our streamlined process is designed to move quickly from application to closing, so you can secure financing and focus on growing your investment portfolio.
Submit Your Application
Complete our quick online application with basic details about your multifamily properties, current financing, and investment objectives. Our team reviews every application within 24 hours and will reach out to discuss your specific needs.
Property Analysis
Our experienced underwriting team evaluates the cash flow, occupancy rates, and DSCR of your multifamily properties. We focus on the income-producing potential of each asset rather than relying solely on personal credit metrics, which is why more deals get approved through our program.
Loan Structuring
Our team structures the optimal financing package for your portfolio, selecting the right term length, recourse options, and amortization schedule. We tailor every blanket loan to maximize your cash flow while aligning with your long-term investment strategy.
Closing
We move to closing quickly with competitive terms and transparent fees. Our dedicated closing team coordinates with title companies and attorneys to ensure a smooth process, so you can access your funding and move forward with your multifamily investment plans without unnecessary delays.
Expanded Approvals for Credit Challenged Borrowers
Our multifamily blanket loan program features expanded approvals designed for investors who may not qualify through traditional lending channels. We focus on the income-producing potential of the property itself, not just your credit history. If the deal makes sense, we want to fund it.
With interest-only options at 60% LTV, bridge loan financing, and Foreign National programs, our multifamily lending solutions are among the most flexible in the industry. Contact us today to discuss your specific situation and let our experienced team structure the right financing for your investment.
Who Qualifies for a Multifamily Blanket Loan?
Our multifamily blanket mortgage program is designed for a wide range of investors and property types. Whether you are an experienced apartment building owner or a growing investor looking to consolidate your portfolio, we have financing solutions tailored to your needs.
Qualification is primarily based on the performance of your income-producing properties rather than personal financial metrics alone. We look for properties with stable occupancy, consistent rental income, and a debt service coverage ratio that demonstrates the asset can comfortably support the loan payments. Investors with multiple multifamily properties across different states are ideal candidates for our blanket loan program, as consolidating under a single mortgage simplifies management and often results in more favorable overall terms. Contact our team at 888-375-7977 to find out if your portfolio qualifies.