Three doors or thirty. One loan, one closing.
Stop refinancing properties one at a time. A blanket DSCR refinance consolidates your rentals into a single note underwritten on the portfolio's combined rents — and releases equity across all of them at once.
- 3+ properties on one loan
- Aggregate DSCR across the package
- One set of closing costs, one payment
- Cash out across the whole portfolio
- Individual property release provisions
- Entity vesting required — closes in your LLC
Rates from: [RATES FROM X.XX%] · Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.
Why aggregate coverage changes the game
On a single-property loan, one weak door gets declined. On a blanket loan, that same door rides along inside a package that clears coverage. If four houses run at 1.40 and the fifth runs at 0.92, the portfolio can still underwrite comfortably above 1.25.
What to send for a portfolio quote
- A rent roll: address, unit count, current rent, lease end date
- Estimated value and current payoff per property
- Taxes, insurance and HOA per property
- Entity structure — which LLC holds which asset
- Any property with deferred maintenance or a vacancy
A clean spreadsheet gets you real terms in a day. We'll send a template if you'd rather not build one.
The trade-offs, stated plainly
Blanket loans concentrate risk: every property in the package secures the same note, so a default touches all of them. Selling a single asset requires working the release provision, which is slower than paying off a standalone loan. Read the release terms and the prepay structure as carefully as the rate.
Business-purpose refinances on investment property only. No purchase financing, no owner-occupied properties.
Run your numbers
Estimate your proceeds at 75% LTV, then check coverage in the full DSCR calculator.
Most DSCR cash-out programs top out around 75%.
- New loan at 75% LTV
- $337,500
- Less current balance
- − $210,000
- Less est. closing costs (3%)
- − $10,125
- Current LTV
- 46.7%
Estimate only, based on the numbers you entered. Actual proceeds depend on appraised value, DSCR, credit, and program guidelines. Not a commitment to lend.
Investor FAQ
Find out what your equity can do
Answer 12 quick questions about the property. About 60 seconds. No credit pull, no personal income docs.
Business-purpose loans for investment properties only. Not for owner-occupied properties. Not a commitment to lend.