Our 5 and 10 year fixed rate blanket loan program is designed for investors with 2 or more rental properties (minimum $500K loan amount). These loans offer competitive fixed rates with up to 30 year amortization, providing you with predictable payments while maintaining flexibility to grow your investment portfolio.
Whether you are purchasing new rental properties, refinancing an existing portfolio, or pulling cash out of your equity, our fixed rate blanket loans deliver the stability and competitive pricing that serious landlords need to scale their rental business nationwide.
Why Choose a Fixed Rate Blanket Loan?
A fixed rate blanket loan consolidates 2 or more rental properties under one mortgage with locked-in rates for 5 or 10 years and up to 30-year amortization. You get one predictable payment, reduced administrative overhead, loan sizes from $500K to $50M, and up to 80% LTV — all qualified on property cash flow, not personal income.
A fixed rate blanket loan consolidates multiple rental properties under a single mortgage with a locked-in note rate for the entire term. Instead of managing separate loans with different lenders, payment schedules, and variable rates, you get one predictable monthly payment that makes portfolio management straightforward. For investors with 2 or more rental doors, this approach reduces administrative overhead and often delivers better overall pricing than maintaining individual mortgages.
Our 5 and 10 year fixed rate options give you the flexibility to match your financing to your investment strategy. Choose a 5 year term if you plan to rebalance or sell properties within a shorter window, or lock in a 10 year term for maximum rate stability on a long-term hold portfolio. Both options feature up to 30 year amortization, keeping your monthly payments manageable while you build equity across your rental properties.
Locked-In Rates
Fixed rate for 5 or 10 years with up to 30 year amortization. Predictable payments you can count on.
2+ Properties
Consolidate 2 or more rental doors under a single blanket mortgage. Simplify your portfolio management with a $500K minimum loan amount.
Cash Out Available
Purchase or refinance with unlimited cash out. Access your equity to fund your next acquisition.
Lending Matrix for Blanket Loans
Our lending matrix below outlines the full program details for blanket loans covering 2 or more residential rental property doors (minimum $500K loan amount). Review the parameters and contact us to discuss how we can structure the right financing for your portfolio.
| Parameter | Details |
|---|---|
| Geography | Nationwide Financing (48 states; excludes Alaska & North Dakota) |
| Loan Purpose | Purchase or Refinance, Cash Out |
| Loan Amount Range | $500K – $50M |
| Terms | 5 or 10 year fixed rate balloon with up to 30 year amortization |
| Max LTV | Up to 80% on stabilized lease-ready properties (SFR, Townhomes, 2-4 family, Condos) & Multi-units (max 20 units) |
| Credit Grid | No bankruptcies in last 2 years and no foreclosures |
| Minimum DSCR | 1.0x — Interest only available at 65% LTV and below (670+ score needed) |
| Minimum Property Value | $50,000 minimum |
| Seasoning | After 90 days of ownership: lend off appraised value • Under 90 days: lend off cost basis (purchase price + rehab) |
| Fees | Third-party appraisal fees collected upfront • 1–2% origination + $1,295–$2,995 underwriting fee at close • Customary title charges at close • No application fees |
Credit Score and LTV Requirements
Your credit score directly impacts the maximum loan-to-value ratio available under our blanket loan program. Higher credit scores unlock more leverage, while our expanded approval guidelines still provide meaningful financing options for borrowers with scores as low as 650. All loans are full recourse and close in LLCs or corporations for proper asset separation. A minimum score of 650 is required. Use our DSCR Calculator to estimate your portfolio's qualification.
| Credit Score | Max LTV (Recourse) |
|---|---|
| 680+ | 80% |
| 670 | 70% |
| 660 | 65% |
| Recourse | Full recourse (all loans) • LLC Entity Lending Available |
How the 5 & 10 Year Fixed Rate Program Works
Our fixed rate blanket loan program is structured as a balloon mortgage with a fixed interest rate for the full 5 or 10 year term and a 30 year amortization schedule. This means your monthly payments are calculated as though the loan will be paid off over 30 years, keeping them low and manageable, while the remaining balance comes due at the end of the fixed term. At maturity, borrowers can refinance into a new term, pay off the balance, or negotiate an extension.
The program is underwritten based on the debt service coverage ratio (DSCR) of the portfolio rather than your personal income or tax returns. We evaluate the rental income generated by your properties against the loan payments to ensure the portfolio can comfortably service the debt. This asset-based approach means investors who may not qualify through traditional lenders — including self-employed borrowers and those with complex tax situations — often find approval through our program. Try our DSCR Loan Calculator to estimate your portfolio's coverage ratio before applying.
Submit Your Application
Complete our quick online application with details about your rental properties, current financing, and investment objectives. No application fees required.
Portfolio Analysis & Appraisal
We evaluate the DSCR, occupancy, and property values across your portfolio. Third-party appraisals are ordered to confirm values. After 90 days of ownership, we lend off appraised value rather than purchase price.
Loan Structuring & Closing
We structure the optimal 5 or 10 year fixed rate term with competitive pricing. Origination is 1–2% plus a $1,295–$2,995 underwriting fee at close. Our team coordinates with title to ensure a smooth closing process.
Eligible Property Types
Our 5 and 10 year fixed rate blanket loan program covers a wide range of residential rental property types. All properties must be stabilized and lease-ready to qualify for financing at up to 80% LTV.
- Single Family Homes
- Townhomes
- Condos
- 2–4 Unit Properties
- Multi-family up to 20 units
Occupancy Requirements by Portfolio Size
To qualify for our 5 and 10 year fixed rate blanket loan, your rental properties must meet minimum occupancy thresholds based on portfolio size and property type. These requirements ensure the portfolio generates sufficient rental income to comfortably service the debt. Properties that are in the process of being stabilized may qualify for our bridge loan program instead, with a pathway to permanent fixed-rate financing once occupancy targets are met.
| Property Type / Portfolio Size | Required Occupancy |
|---|---|
| 10 or more doors | 90% occupied |
| 5 – 9 doors | 80% occupied |
| Multifamily properties | 85% occupied |
Maintaining strong occupancy is not only a program requirement — it is the foundation of a healthy investment portfolio. Properties with high occupancy generate consistent cash flow, support favorable DSCR ratios, and position your portfolio for the best available terms at refinance. Our team can help you evaluate your current occupancy levels and determine the optimal financing strategy for your specific situation.
Interest Only Options
For investors who want to maximize cash flow during the fixed rate term, our program offers interest only payment options at 65% LTV and below with a minimum credit score of 670. Interest only payments reduce your monthly obligation during the term, freeing up capital for additional acquisitions, property improvements, or building cash reserves. This option is particularly attractive for value-add investors who plan to increase rents and property values during the hold period before refinancing at maturity.
Prepayment Penalty Options
Our 5 and 10 year fixed rate blanket loans use a step-down prepayment penalty structure that gives you a clear, predictable declining penalty schedule. The penalty decreases each year of the loan term, so you always know exactly what the cost would be if you decide to pay off early. This straightforward structure helps us offer competitive rates while giving you transparency and flexibility.
| Term | Step-Down Prepayment Penalty |
|---|---|
| 5-Year | 5-4-3-2-1-0% (declining percentage of outstanding balance each year) |
| 10-Year | 10-9-8-3-2-1% (declining percentage of outstanding balance each year) |
The step-down numbers represent the percentage of the outstanding loan balance charged as a penalty in each year. For example, under the 5-year step-down, prepaying in year one incurs a 5% penalty, declining to 1% in year five. After the penalty period expires, you can refinance or pay off the loan with no additional cost. This predictable, declining structure lets you plan your exit strategy with full clarity on prepayment costs at every point in the loan term.
Nationwide Coverage
Financing available in 48 states (excludes Alaska & North Dakota).
$500K – $50M Loans
Flexible loan sizes from small portfolios to large-scale operations.
90-Day Seasoning
After 90 days we lend off appraised value. Under 90 days: cost basis.
No Application Fees
Get started with zero upfront cost. Appraisal fees collected at deposit only.
Ready to Lock In Your Fixed Rate?
Whether you are consolidating an existing portfolio or financing a new acquisition of 2 or more rental doors, our experienced team is ready to help you structure the right 5 or 10 year fixed rate blanket loan. We evaluate every deal on its own merits with make-sense underwriting that focuses on property performance.
Call us today at 888-375-7977 to speak with one of our qualified representatives, or apply online now to get started.