Blanket / Cross-Collateralized Portfolio DSCR Loan
Bottom Line Up Front (BLUF): Portfolio blanket loans allow investors scaling multiple SFRs or small multifamily properties to consolidate refinance closings or cross-collateralize equity across multiple doors with partial release clauses.
Underwriting Formula / Rule
Portfolio DSCR = Aggregate Gross Rent of All Properties ÷ Aggregate Monthly PITIA.
Wholesale Shelf Benchmark
110%–120% release price provisions allow selling individual properties out of the blanket.
Frequently Asked Underwriting Questions
When is individual property DSCR better than a blanket loan?
For 1–5 properties above $150k each, individual DSCR notes often provide cleaner 80% LTV leverage and zero release-price friction when selling a single door.
Arranged by Loan Daddy LLC (NMLS #2827624 · (480) 485-1229 · [email protected]). Business-purpose investment properties only.