Should I use a blanket loan?

Direct answer

Useful for consolidating 5+ properties under one note — but cross-collateralizes the portfolio.

Expanded explanation

Simplifies servicing and reporting. Risk: a default on one asset can pull others in. Negotiate release-price provisions to allow individual sales.

Examples

• $3M blanket loan on 12 SFRs with $250k per-property release prices.

More Financing questions

• What's the difference between a DSCR loan and a conventional loan?
• Conventional vs DSCR loan — which to choose?
• When does hard money make sense?
• When should I use a portfolio lender?
• How do I negotiate seller financing?
• What is DSCR and what's a good ratio?