CalculateRealEstateROI

Portfolio Building

Should I recapitalize my portfolio with a blanket loan?

Yes when individual mortgage rates are higher than blanket portfolio rate.

Reviewed by Keiron Brown, Founder & Editor, CalculateRealEstateROI · Educational estimates only — not investment, financial, tax, or legal advice

Direct answer

Yes when individual mortgage rates are higher than blanket portfolio rate.

Expanded explanation

Recapitalization frees trapped equity and consolidates payment streams. Watch for cross-default provisions.

Examples

  • Replaced 8 loans at 7.5% with blanket at 6.5% + $150k cash out.

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