Structure
One loan, multiple properties
Release clause
Sell individual assets
Qualifies on
Portfolio cash flow
Entity
Close in an LLC
Program terms reviewed by Jay Beach, SVP Investor Portfolio Lending ·
When a blanket loan makes sense
Reach for a blanket loan once you hold several rentals and want one payment, simpler reporting, and the ability to pull equity to keep buying. The release clause means you stay flexible — sell or refinance individual doors without unwinding the whole facility.
Cross-collateralization to scale
Cross-collateralization pledges equity in properties you already own to support a new acquisition, letting you buy with less new cash. It's a powerful tool when a great deal needs more leverage than the subject property alone supports.
Frequently asked questions
What is a blanket mortgage?
A single loan secured by multiple properties, usually with a release clause so you can sell one property without paying off the entire loan.
How many properties can a blanket loan cover?
Multiple — blanket and portfolio loans are built for investors consolidating several rentals under one facility.
Can blanket loans close in an LLC?
Yes. They are business-purpose loans and qualify on the assets' cash flow.