Portfolio DSCR and Blanket Loans
Cross-collateralized financing for experienced investors acquiring, refinancing, or accessing equity across multiple stabilized rental properties. Finance up to 25 properties in one loan, with aggregate loan amounts up to $6.25 million.
Portfolios of up to 25 rentals
Experienced portfolio investors
Portfolio acquisitions
Refinance or cash-out
Investors seeking one loan structure
How Blanket Financing Works
A blanket loan combines multiple rental properties under one financing structure. The portfolio's combined value, rent, expenses, and performance are reviewed together instead of underwriting a separate loan for each property.
Requirements
Submit a scenario
Enough detail to route a broker scenario quickly.
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Common Uses
Portfolio acquisition
Debt consolidation
Portfolio refinance
Portfolio cash-out
Partial-release flexibility
Illustrative Portfolio
An illustrative scenario shows the format of a portfolio review only. It is not a quote, rate, or commitment. A complete example would include:
Property list and addresses
Value or purchase price for each property
Current rent for each property
Taxes, insurance, and association dues
Requested aggregate loan
Transaction type
Borrower experience
Estimated FICO
Program FAQs
A portfolio or blanket loan combines two or more stabilized rental properties, and can include up to 25 properties in a single loan.
Portfolio financing is cross-collateralized across the group of stabilized rentals and underwritten on a cash-flow basis, comparing the combined rental income to the combined debt service across the collateral rather than qualifying each property separately.
Yes. Individual properties can be released from the portfolio at 120% of the loan amount allocated to the property being released.
Portfolio and blanket financing is built for stabilized residential rental properties held together under one loan structure. Submit the property list and Steel Root will confirm which properties fit the portfolio.
Portfolio loans support acquisition, refinance, and cash-out. Submit the scenario, noting which properties are purchases and which are refinances, and Steel Root will confirm how it can be structured.
Financing multiple rental properties?
Submit the portfolio, combined rent, values, and requested structure for review.