Portfolio & Blanket Loans

Yes. This is one of the most common use cases for a portfolio loan. If you currently hold multiple investment properties with separate mortgages, a blanket loan lets you consolidate them into a single loan with one monthly payment. In many cases you can also pull cash out across the portfolio in the same transaction — all at one closing rather than refinancing each property individually.

Yes. A cash-out portfolio refi lets you tap equity across multiple properties simultaneously — in a single closing. This is significantly more efficient than doing separate cash-out refinances on each property, which would mean multiple closings, multiple sets of closing costs, and multiple rounds of underwriting.

No. Portfolio loans qualify based on the Debt Service Coverage Ratio (DSCR) of your properties — the rental income relative to the mortgage payment. Your W-2s, tax returns, pay stubs, and personal debt-to-income ratio are not part of the underwriting equation.

The minimum loan amount is $225,000. For 1–4 unit properties, as little as 20% down (80% LTV) is required. For 5–8 unit properties, 25% down (75% LTV) is required. A minimum of three properties must be included in the portfolio structure.

Yes. Short-term and vacation rental properties can be included and qualified using AirDNA market data or historical rental income rather than a traditional lease. This makes it possible to finance mixed portfolios that include both long-term and short-term rentals under the same loan.

The minimum FICO score is 620, with flexible underwriting designed for investors with complex credit histories or non-traditional income profiles. A minimum of three properties is required to qualify as a portfolio or blanket loan. There is no hard cap on the maximum number of properties — making this an ideal solution for investors who have exceeded the conventional 10-property financing limit.