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.
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
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 Blanket Loans 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.
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.
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.
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.
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.
Loan Structuring
Our team structures the optimal financing package for your portfolio, selecting the right term length, recourse options, and amortization schedule 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 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 at 888-375-7977 to discuss your specific situation.
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. Contact our team at 888-375-7977 to find out if your portfolio qualifies.