RentalHomeFinancing.com, a National multifamily blanket loan lender providing competitively priced 30-year fixed and hybrid ARM (5/1, 7/1, 10/1) mortgages, has recently announced the roll out of new expanded approvals for multifamily apartment building and all residential properties secured by at least 5 leases.
Our multifamily and blanket loans are specifically geared toward income properties and professional investors on a Nationwide basis. Our underwriting guidelines are "Make Sense" and we are aggressively lending in the current market.
How Does a Blanket Loan Provide Unlimited Funding for Multifamily Investors?
A blanket loan consolidates multiple rental properties under one mortgage, eliminating the per-property financing limits that conventional lenders impose. Fannie Mae guidelines cap most investors at 10 financed properties, but our blanket program has no cap on portfolio size. Loan amounts run from $250K to $25M with up to 80% LTV and 30-year amortization.
Borrowers and brokers have access to an unlimited fund, backed by experienced professionals, ready to lend on make-sense opportunities. Our financing options feature flexible seasoning, reasonable underwriting guidelines, unlimited properties, and unlimited cash out options. Rate-and-term refinances have flexible seasoning requirements, while cash-out refinances typically require 180-day ownership seasoning. Call us today to discuss your specific financing needs.
Unlike conventional lenders who impose strict limits on financed properties, our multifamily blanket loan program lets investors continue acquiring income-producing apartment buildings, assisted living facilities, and mixed-use properties without hitting artificial ceilings. According to the Mortgage Bankers Association, multifamily lending volume remains strong as rental demand continues outpacing new supply in most metro areas. Our underwriting team evaluates each deal on its own merits, focusing on cash flow, DSCR, and the overall strength of the investment.
Program Highlights
MULTIFAMILY BLANKET LOAN
- Flexible seasoning (180-day for cash-out)
- NO Limits to properties financed
- Nationwide 48-state coverage
- LTVs up to 80%
- 1.0 – 1.2x DSCR
- Bridge loan financing available
Expanded Approvals
APARTMENT BUILDINGS
- $250K to $25M loan amounts
- Competitive Rates
- 5 – 10 – 30 year fixed rates
- 30 year amortization
- Interest-only options available up to 75% LTV
- Credit challenged borrowers OK
Property Types
ELIGIBLE PROPERTIES
- Apartment buildings 5+ units
- Assisted living facilities
- Student housing
- Mixed-use properties
What Are Expanded Approvals for Multifamily Investors?
Expanded approvals mean we finance investors who don't fit the conventional lending mold -- credit-challenged borrowers, self-employed operators, and investors with complex portfolios. We evaluate the property's rental income, occupancy rates, and condition rather than relying solely on personal credit scores or tax returns.
Our expanded approval program offers access to captive equity for multifamily investors who need financing that works with them, not against them. Whether you're acquiring new apartment buildings, refinancing existing hard money loans, or pulling cash out of your portfolio, our multifamily blanket loan program is designed for income-producing properties secured by at least 5 leases.
Traditional lenders often reject experienced investors because of past credit events, self-employed income structures, or portfolio complexity. Our program takes a different approach. Investment property rates typically run 0.50-0.75 percentage points above primary-residence rates, but our asset-based underwriting philosophy means that if your properties generate solid cash flow and meet our DSCR requirements (1.0x-1.2x depending on term), you have a strong path to approval regardless of personal financial history.
Unlimited Cash Out
Cash-out refinances typically require 180-day ownership seasoning. Rate-and-term refinances have flexible seasoning requirements.
No Property Limits
Finance unlimited properties under a single blanket mortgage. Scale your multifamily portfolio without constraints.
Entity-Based Lending
All loans close in LLCs or corporations, providing proper legal separation between personal and investment assets.
How Do Blanket Loans Save Time and Money?
Blanket loans consolidate multiple property mortgages into a single payment, eliminating the administrative burden of juggling separate lenders, payment dates, and escrow accounts. Investors with portfolios of 5-20 properties can save thousands annually in closing costs alone compared to financing each property individually.
The simplicity extends beyond payments. With one lender relationship and a unified mortgage structure, you negotiate better terms as your portfolio expands. The FHFA House Price Index shows average annual home price appreciation of 4-5% nationally, which means your blanket loan equity grows across the entire portfolio simultaneously.
Our multifamily blanket loan program also features a partial release clause that allows you to sell individual properties from the portfolio without triggering a full payoff of the entire loan -- giving you the flexibility to rebalance your investments as market conditions change.
Why Choose Our Multifamily Blanket Loan Program
Our expanded approval program gives apartment building investors access to captive equity with competitively priced fixed-rate mortgages. Whether you own a single 5-unit complex or a portfolio of multifamily properties across the country, our make-sense underwriting approach means more deals get funded.
With up to 80% LTV, loan amounts from $250K to $25M, and 30-year amortization schedules, our program is built for serious multifamily investors who need flexible, scalable financing solutions.
What Are the Multifamily Blanket Loan Parameters?
Our multifamily blanket mortgage offers 3, 5, 7, and 10-year fixed-rate terms with 30-year amortization, LTVs up to 80%, and DSCR minimums of 1.0x-1.2x depending on term length. All loans are full recourse and close into LLCs or corporate entities for liability separation.
How Do You Apply for a Multifamily Blanket Loan?
Submit a quick online application with your property details and investment objectives. Our team reviews every application within 24 hours, evaluates cash flow and DSCR on your multifamily assets, structures the optimal financing package, and moves to closing with transparent fees. The typical timeline from application to funding is 3-4 weeks.
Submit Your Application
Complete our quick online application with basic details about your multifamily properties, current financing, and investment objectives. Our team reviews every application within 24 hours.
Property Analysis
Our experienced underwriting team evaluates the cash flow, occupancy rates, and DSCR of your multifamily properties. We focus on the income-producing potential of each asset rather than relying solely on personal credit metrics.
Loan Structuring
Our team structures the optimal financing package for your portfolio, selecting the right term length, recourse options, and amortization schedule to maximize your cash flow while aligning with your long-term investment strategy.
Closing
We move to closing quickly with competitive terms and transparent fees. Our dedicated closing team coordinates with title companies and attorneys to ensure a smooth process, so you can access your funding without unnecessary delays.
Expanded Approvals for Credit Challenged Borrowers
Our multifamily blanket loan program features expanded approvals designed for investors who may not qualify through traditional lending channels. We focus on the income-producing potential of the property itself, not just your credit history. If the deal makes sense, we want to fund it.
With interest-only options available up to 75% LTV, bridge loan financing, and nationwide lending across 48 states, our multifamily lending solutions are among the most flexible in the industry. Contact us today at 888-375-7977 to discuss your specific situation.
Who Qualifies for a Multifamily Blanket Loan?
Owners of apartment buildings with 5+ units, assisted living facilities, student housing, and mixed-use properties. Qualification is based on property cash flow and a minimum 1.0-1.2x DSCR rather than personal income. Loan amounts range from $250K to $25M with LTVs up to 80%, and credit-challenged borrowers with strong properties are welcome.
Our multifamily blanket mortgage program is designed for a wide range of investors and property types. Whether you are an experienced apartment building owner or a growing investor looking to consolidate your portfolio, we have financing solutions tailored to your needs.
Qualification is primarily based on the performance of your income-producing properties rather than personal financial metrics alone. We look for properties with stable occupancy, consistent rental income, and a debt service coverage ratio that demonstrates the asset can comfortably support the loan payments. Investors with multiple multifamily properties across different states are ideal candidates for our blanket loan program. Contact our team at 888-375-7977 to find out if your portfolio qualifies.