5 & 10 Year Fixed Rate

Our 5 and 10 year fixed rate blanket loan program is designed for investors with 3 or more rental properties. These loans offer competitive fixed rates with up to 30 year amortization, providing you with predictable payments while maintaining flexibility to grow your investment portfolio.

Whether you are purchasing new rental properties, refinancing an existing portfolio, or pulling cash out of your equity, our fixed rate blanket loans deliver the stability and competitive pricing that serious landlords need to scale their rental business nationwide.

Apply Online 888-375-7977

Why Choose a Fixed Rate Blanket Loan?

A fixed rate blanket loan consolidates multiple rental properties under a single mortgage with a locked-in interest rate for the entire term. Instead of managing separate loans with different lenders, payment schedules, and variable rates, you get one predictable monthly payment that makes portfolio management straightforward. For investors with 3 or more rental doors, this approach reduces administrative overhead and often delivers better overall pricing than maintaining individual mortgages.

Our 5 and 10 year fixed rate options give you the flexibility to match your financing to your investment strategy. Choose a 5 year term if you plan to rebalance or sell properties within a shorter window, or lock in a 10 year term for maximum rate stability on a long-term hold portfolio. Both options feature up to 30 year amortization, keeping your monthly payments manageable while you build equity across your rental properties.

Lending Matrix for Blanket Loans

Our lending matrix below outlines the full program details for blanket loans covering 3 or more residential rental property doors. Review the parameters and contact us to discuss how we can structure the right financing for your portfolio.

Credit Score and LTV Requirements

Your credit score directly impacts the maximum loan-to-value ratio available under our blanket loan program. Higher credit scores unlock more leverage, while our expanded approval guidelines still provide meaningful financing options for borrowers with scores as low as 660. For investors seeking non-recourse protection — where your personal assets are shielded beyond the collateral properties — a minimum score of 620 is required for US citizens, and our Foreign National program extends financing up to 75% LTV for qualified international investors.

How the 5 & 10 Year Fixed Rate Program Works

Our fixed rate blanket loan program is structured as a balloon mortgage with a fixed interest rate for the full 5 or 10 year term and a 30 year amortization schedule. This means your monthly payments are calculated as though the loan will be paid off over 30 years, keeping them low and manageable, while the remaining balance comes due at the end of the fixed term. At maturity, borrowers can refinance into a new term, pay off the balance, or negotiate an extension.

The program is underwritten based on the debt service coverage ratio (DSCR) of the portfolio rather than your personal income or tax returns. We evaluate the rental income generated by your properties against the loan payments to ensure the portfolio can comfortably service the debt. This asset-based approach means investors who may not qualify through traditional lenders — including self-employed borrowers and those with complex tax situations — often find approval through our program.

Eligible Property Types

Our 5 and 10 year fixed rate blanket loan program covers a wide range of residential rental property types. All properties must be stabilized and lease-ready to qualify for financing at up to 75% LTV.

• Single Family Homes
• Townhomes
• Condos
• 2–4 Unit Properties
• Multi-family up to 20 units

Occupancy Requirements by Portfolio Size

To qualify for our 5 and 10 year fixed rate blanket loan, your rental properties must meet minimum occupancy thresholds based on portfolio size and property type. These requirements ensure the portfolio generates sufficient rental income to comfortably service the debt. Properties that are in the process of being stabilized may qualify for our bridge loan program instead, with a pathway to permanent fixed-rate financing once occupancy targets are met.

Maintaining strong occupancy is not only a program requirement — it is the foundation of a healthy investment portfolio. Properties with high occupancy generate consistent cash flow, support favorable DSCR ratios, and position your portfolio for the best available terms at refinance. Our team can help you evaluate your current occupancy levels and determine the optimal financing strategy for your specific situation.

Interest Only Options

For investors who want to maximize cash flow during the fixed rate term, our program offers interest only payment options at 70% LTV and below with a minimum credit score of 670. Interest only payments reduce your monthly obligation during the term, freeing up capital for additional acquisitions, property improvements, or building cash reserves. This option is particularly attractive for value-add investors who plan to increase rents and property values during the hold period before refinancing at maturity.

Prepayment Penalty Options

Our 5 and 10 year fixed rate blanket loans include a prepayment penalty structure that helps us offer the most competitive rates to borrowers. You have two options: a standard yield maintenance penalty, which provides the lowest base rate, or a step-down penalty that decreases each year for slightly more flexibility. The step-down option adds 25 basis points to your interest rate but gives you a clear, predictable declining penalty schedule if you decide to pay off the loan early.

The step-down numbers represent the percentage of the outstanding loan balance charged as a penalty in each year. For example, under the 5-year step-down, prepaying in year one incurs a 5% penalty, declining to 1% in year five. After the penalty period expires, you can refinance or pay off the loan with no additional cost. Most long-term hold investors choose the standard yield maintenance option for the lowest rate, while investors with a potential early exit strategy prefer the step-down for its predictability.