Blanket & portfolio loans

A blanket loan finances multiple rental properties under a single loan, usually with a release clause so you can sell one property without retiring the whole loan. For portfolio investors, it consolidates payments, unlocks trapped equity, and removes the per-deal friction of financing properties one at a time.

Get a Live Term Sheet → Soft inquiry only — no hard credit pull.

Structure

One loan, multiple properties

Release clause

Sell individual assets

Qualifies on

Portfolio cash flow

Entity

Close in an LLC

When a blanket loan makes sense

Reach for a blanket loan once you hold several rentals and want one payment, simpler reporting, and the ability to pull equity to keep buying. The release clause means you stay flexible — sell or refinance individual doors without unwinding the whole facility.

Cross-collateralization to scale

Cross-collateralization pledges equity in properties you already own to support a new acquisition, letting you buy with less new cash. It's a powerful tool when a great deal needs more leverage than the subject property alone supports.

Frequently asked questions

What is a blanket mortgage?

A single loan secured by multiple properties, usually with a release clause so you can sell one property without paying off the entire loan.

How many properties can a blanket loan cover?

Multiple — blanket and portfolio loans are built for investors consolidating several rentals under one facility.

Can blanket loans close in an LLC?

Yes. They are business-purpose loans and qualify on the assets' cash flow.

Cross-collateral & blanket guide →DSCR programs →