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Blanket Portfolio

Blanket Portfolio

A Blanket Portfolio Loan allows real estate investors to bundle multiple properties—such as homes, commercial buildings, or rental units—under a single mortgage. This streamlined financing option simplifies management and payments by replacing separate loans with one loan that covers your entire portfolio. Ideal for investors looking to acquire, refinance, or manage several properties at once, it provides flexibility, efficiency, and an easier way to scale your real estate investments smarter and faster.

Why choose a blanket portfolio

  • Single loan, simplified management: Consolidate multiple properties under one mortgage, streamlining oversight and reducing the burden of managing separate loans.

  • Covers acquisition and rehab costs: Finance the purchase and renovation of multiple properties within one loan, with the option to roll costs into long-term debt.

  • One monthly payment: Enjoy the convenience of a single monthly payment for your entire portfolio, improving cash flow and financial tracking.

  • Flexible exit strategy: Includes “carve-out” provisions that allow individual properties to be sold without triggering full loan repayment.

  • Increased leverage and efficiency: Loan-to-value (LTV) ratios typically range from 70% to 80%, giving you access to more capital with less cash upfront.

  • Works with lower-value properties: Eligible property values can start as low as $40,000 per unit, making it accessible for smaller-scale investments.

  • Supports portfolio growth: Enables scalable expansion by leveraging the combined strength of your portfolio rather than qualifying each property individually.

  • Potential cost savings: Reduce total loan fees and interest costs by financing your entire portfolio with a single lender and structure.

How blanket portfolios work

  • Initial Consultation and Portfolio Review: Share your investment goals and details of all properties you want to include.

  • Loan Application and Documentation: Provide financial information and property details for your portfolio.

  • Property Appraisal and Portfolio Valuation: Each property is appraised to assess combined value and risk.

  • Underwriting and Loan Structuring: The lender reviews your portfolio and credit to create a tailored loan plan.

  • Loan Offer and Terms Agreement: Receive and review loan terms covering the entire portfolio.

  • Closing and Funding: Sign documents, pay closing costs, and consolidate your properties under one loan.