Consolidate multiple investment properties into a single loan facility. One closing, one payment, one relationship. Qualify on portfolio cash flow, not personal income. Release provisions available so the portfolio stays flexible.
Check My Eligibility →Blanket Portfolio Loans — A blanket loan finances 5+ investment properties under a single loan — instead of managing 5+ separate mortgages with separate payments. Simplifies portfolio management, often improves rate, and enables release clauses that let you sell individual properties without paying off the entire blanket.
LendingStreet has structured $4.36B+ across 8,196 deals nationwide. NMLS #1734316 · 30+ capital sources · 48 states.
A blanket loan — sometimes called a portfolio loan — finances multiple investment properties under a single mortgage facility. Instead of carrying separate loans, separate closings, and separate monthly payments on each property, a blanket loan consolidates the portfolio into one structure.
Blanket financing is built for investors who have outgrown property-by-property lending. As a rental portfolio scales, managing a dozen individual loans — each with its own servicer, payment date, and escrow — becomes operationally heavy. A blanket loan simplifies that into a single relationship while typically qualifying on the combined cash flow of the properties rather than your personal income.
LendingStreet places blanket and portfolio loans across a network of 30+ capital sources. This matters for portfolio deals specifically, because lenders vary widely in how many properties they will pool, which property types they will mix, what geographies they will cross, and whether they allow individual properties to be released from the blanket over time. A network approach finds the structure that fits the portfolio.
Investors holding 5+ rental properties · operators consolidating many individual loans into one facility · buyers acquiring a portfolio in a single transaction · investors seeking one payment instead of many · portfolio owners who want the option to release individual properties for sale
A blanket loan secures multiple properties under one mortgage. The properties are underwritten as a pool: lenders evaluate the combined rental income against the combined debt service, typically targeting a portfolio-level DSCR.
Most blanket programs include a release provision — language that lets you sell or refinance an individual property out of the blanket without unwinding the entire loan, usually by paying down an agreed release amount on that property. This preserves flexibility: a portfolio loan does not have to mean the portfolio is frozen.
Because qualification rests on the portfolio's aggregate cash flow rather than personal income, blanket loans suit full-time and self-employed investors and those holding property through entities. Documentation typically centers on a portfolio-wide rent roll and operating history rather than personal tax returns.
Terms vary by capital source, portfolio composition, property condition, geography, and borrower profile. The figures above are typical ranges for qualified borrowers, not guaranteed terms. Call for an exact quote on a specific portfolio.
| Feature | Blanket / Portfolio Loan | Separate Individual Loans |
|---|---|---|
| Number of closings | One | One per property |
| Monthly payments | One consolidated payment | One per property |
| Qualification basis | Portfolio cash flow | Each property individually |
| Selling one property | Release provision | Pay off that property's loan |
| Best for | 5+ property portfolio operators | Investors with a few properties |
Blanket loans trade some per-property flexibility for portfolio-wide efficiency. For investors managing many properties, the operational simplicity of one facility — one payment, one servicer, one relationship — is often the deciding factor.
Speak with a financing specialist who structures blanket loans across 30+ capital sources. Built for investors who have outgrown property-by-property lending.
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