Investment Property Articles: DSCR Loans, Blanket Mortgages, and Lending FAQ
Answers to common questions about DSCR loans, blanket mortgages, reserve requirements, eligible property types, and rental portfolio financing options.
CapEx Escrow Reserves on Blanket Loans: Discontinued
CapEx escrow reserves were once required on blanket loans for roof, HVAC, and major repair costs. This program requirement has since been discontinued.
Read moreDSCR Underwriting: How We Evaluate Rental Borrowers
DSCR-based underwriting uses rental income, not personal income. No tax returns or W-2s needed. International investors eligible through DSCR programs.
Read moreAre Blanket Loans Assumable? 1% Fee, Full Transfer
Blanket loans are fully assumable for a 1% fee on the outstanding balance. Transfer your entire portfolio to a qualified buyer with no prepayment penalty.
Read morePartial Release Clauses on Blanket Loans Explained
Blanket loans permit a one-time 25% principal reduction but do not include full partial release clauses. Learn how selling individual properties works.
Read moreListing 2-4 Unit and Multifamily on the Spreadsheet
How to list 2-4 unit and multifamily properties on the portfolio spreadsheet, plus prepayment penalty schedules and closing cost breakdowns explained.
Read moreCo-op Financing: Why Co-ops Are Ineligible for Loans
Co-op properties are ineligible for blanket loan financing because ownership is share-based, not deed-based. Condos and non-warrantable condos qualify.
Read moreBlanket Loans: Balance Sheet vs Secondary Market Sales
Blanket loans are securitized and sold on the secondary market after origination, giving borrowers access to competitive rates and steady capital supply.
Read moreSeller Financing on Blanket Loans: Policy and Options
Seller-held financing, second mortgages, and subordinate liens are prohibited on blanket loan portfolios. See alternative strategies for acquisitions.
Read moreDown Payment for 5+ Unit Multifamily: 20% LTV in 48 States
5+ unit multifamily purchases require just 20% down with no personal income docs. Available in Florida and all 48 states. Apply for DSCR financing now.
Read moreVacant Lots and Blanket Loans: Collateral Requirements
Vacant lots cannot be financed even alongside a free-and-clear rental house. Every property in a blanket loan portfolio must be a leased rental structure.
Read moreMinimum Lease Period for Blanket Loan Rental Properties
A 12-month initial lease is required for tenants in portfolio properties. Month-to-month, Section 8, and housing voucher leases are accepted afterward.
Read morePortfolio Lending Programs: Purchase, Refi, Cash-Out
Portfolio lending programs include purchase, rate-and-term refi, cash-out, and partner buyouts. Up to 80% LTV with 30-year amortization and LLC lending.
Read moreOwnership Seasoning Requirements for Rental Refinances
Rate-and-term refinances have flexible seasoning requirements. Cash-out refis need 180 days of ownership. See current DSCR loan terms and apply today.
Read moreFinancing Vacant Properties: 90% Occupancy Threshold
Blanket loans allow up to 10% vacancy in your portfolio — at least 90% of units must be leased at closing. See how vacant properties affect your DSCR.
Read moreHiring a Property Manager for a Blanket Loan Portfolio
Property managers are welcome on blanket loan portfolios if they have 2+ years of experience and meet lender approval standards. See full requirements.
Read moreLoan Reserve Requirements: Escrows and Cash at Closing
Blanket loan reserve requirements explained — tax and insurance escrows, PITIA cash reserves at closing, and why CapEx escrows are no longer required.
Read moreEligible Borrower Types: LLC, Corp, Trust, and More
LLCs, S-corps, C-corps, trusts, and Delaware entities all qualify as borrowers. Single property DSCR loans can also close in an individual borrower's name.
Read moreMaximum Loan Amount: $500K to $50M Portfolio Lending
Blanket mortgage loan amounts range from $500K to $50M+ with no fixed ceiling. Amounts depend on 80% LTV and minimum .75x DSCR on portfolio cash flow.
Read moreDSCR Loans vs Traditional Mortgages: Key Advantages
DSCR loans vs traditional mortgages — no tax returns, no property count limits, LLC and entity lending, assumable terms, and 30-year amortization options.
Read moreSelf-Managing Rental Properties With a Blanket Loan
Experienced landlords can self-manage rental properties financed with a blanket loan. Learn the approval process and property management requirements.
Read moreEligible Lending States: 48 Contiguous States Covered
We lend in 48 contiguous states — only Alaska and North Dakota are excluded. Finance multi-state rental portfolios under a single blanket loan mortgage.
Read moreWho Is Rental Home Financing? Direct Lender Profile
Rental Home Financing is a direct lender in Indianapolis offering blanket mortgages for rental portfolios from $500K to $50M+ across 48 states. Apply now.
Read moreIneligible Property Types: Co-ops, Mobile, and Hotels
Property types not eligible for financing: manufactured homes, mobile homes, hotels, co-ops, vacation rentals, ground leases, and homes under $75,000.
Read moreEligible Property Types: SFR, Condo, and Multifamily
Eligible property types include single-family rentals, condos, townhomes, 5+ unit apartments, and Section 8 housing — financed across 48 states via DSCR.
Read moreBlanket Loan Advantages: No Income Docs, One Payment
Blanket loan advantages: no income verification, one monthly payment, entity-based lending, assumable terms, and 30-year fixed rates. See full details.
Read moreContact Rental Home Financing: Apply or Call Today
Reach Rental Home Financing for blanket mortgage loans, DSCR rental loans, and portfolio financing from $500K to $50M across 48 states. Call or apply.
Read moreLet's Get Your Investment Financed
Speak with a lending specialist today. Competitive rates for rental property investors nationwide.