Blanket Portfolio DSCR Loans consolidate 2 to 100+ single-family rentals, townhomes, and 2–4 unit properties into a single cross-collateralized commercial facility—reducing per-door closing costs, unlocking non-recourse SPE terms, and incorporating 110%–120% partial release clauses so individual properties can be sold without refinancing the entire portfolio.
A partial release clause (typically 110% to 120% of the allocated loan amount for that specific property) allows you to sell or refinance an individual property out of the blanket loan by paying down 110%–120% of its allocated principal balance, provided the remaining portfolio maintains the minimum consolidated DSCR.
Yes. Institutional portfolio DSCR shelves arranged by Loan Daddy LLC (NMLS #2827624) can cross-collateralize rental properties across multiple states inside a single Delaware or multi-state SPE LLC.