Blanket Mortgage Loans

Loans made for Real Estate Investors, House Flippers, Property Developers, and Business Owners. You can now finance several properties simultaneously

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Blanket Mortgage: Program Highlights & Investor Benefits

A Blanket Mortgage allows investors to finance multiple properties under a single loan.

Instead of managing separate mortgages for each property, a blanket loan consolidates them into one structured financing solution — improving efficiency, leverage control, and scalability.

One loan. Multiple assets. Strategic control.

Line of houses

Program Features

Loan Amounts: Up to $5,000,000 (varies on loan to value)

Income Documentation: Property income based qualification

Properties Covered: Multiple 1–4 unit properties (sometimes mixed-use depending on program)

Occupancy: Non-owner occupied (investment only)

Min Credit Score: Typically 680+ (preferred for better terms)

Occupancy: Non-owner occupied (investment only)

Max LTV: Up to 70%–75% depending on property and asset

Cross-Collateralized: Yes, properties secure one combined loan

Min DSCR: 1.15–1.25 portfolio-wide in most cases

Release Clause: Often available to sell individual properties

Simplified management.
One payment.
Portfolio leverage.
This is capital efficiency for serious investors.

Program Highlights

Loan Amounts: Up to $5,000,000 (varies on loan to value)

Properties Covered: Multiple 1–4 unit properties (sometimes mixed-use depending on program)

Min Credit Score: Typically 680+ (preferred for better terms)

Max LTV: Up to 70%–75% depending on property and asset

Min DSCR: 1.15–1.25 portfolio-wide in most cases

Income Documentation: Property income-based qualification

Occupancy: Non-owner occupied (investment only)

Cross-Collateralized: Yes, properties secure one combined loan

Release Clause: Often available to sell individual properties

Simplified management.
One payment.
Portfolio leverage.
This is capital efficiency for serious investors.

How It Works

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Apply Online

Our licensed loan officers are ready to help answer any questions that you have. Taking an application over the phone could be as quick as 10 minutes.

Get Approved

We will review your loan application, your property will be appraised, underwritten, and approved.

Fund

Once all items have been satisfied and we are clear to close, loan docs will be drawn. You’ll sign loan docs and your loan will fund.

Equinox Makes Portfolio Financing Strategic

At Equinox, we structure blanket loans carefully because cross-collateralization changes your leverage profile.

We analyze:

  • Portfolio-level DSCR
  • Property performance consistency
  • Geographic concentration risk
  • Exit strategies per property
  • Release clause flexibility
  • Future refinance positioning

Because once properties are tied together, structure matters.

This isn’t about convenience alone.
It’s about scaling intelligently.

Man and woman playing on couch with their son

Why Choose a Blanket Mortgage?

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Investors owning 3+ rental properties
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Portfolio builders consolidating debt
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Operators refinancing for cash-out across multiple assets
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Investors seeking simplified payment structures
9
Buyers acquiring multiple properties simultaneously
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Portfolio repositioning strategies
If you’re managing multiple loans separately, this consolidates your leverage into one controlled structure.
Efficiency compounds.

We are the Alternative Mortgage Financing Experts.

At Equinox Home Financing, we've helped thousands of borrowers purchase and refinance homes using some of the industry's most innovative financing solutions. Put our knowledge and experience to work for you. Contact us today for a free quote and consultation.

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Answers to Your Questions

What is a Blanket Loan?
Real estate investors can combine the funding for several properties by using a blanket mortgage. Later selling one or more of those properties does not trigger a requirement to repay the loan in full. A house flipper, for instance, could buy multiple homes at once and then renovate and sell them on different timelines without interfering with the financing. Some investors use the proceeds from the sale of one property to purchase another without having to repay the full blanket loan. Blanket mortgage conditions, however, usually require the borrower to repay the portion of the loan that secured the sold property.
Is My Credit Score a Factor in Getting Approved?
Yes, credit score is often one of several factors. Borrowers with credit scores between 680 and 720 or higher are frequently approved for blanket mortgages. However, if other financial factors are strong, individuals with lower credit scores might be eligible.
What Kind of Loan Terms Do You Offer?
Although most blanket loans are between 10 and 15 years long, they can be as long as 30 years. Blanket loans often have a balloon payment, with smaller initial monthly payments and a higher lump-sum payment at the end of the term. Blanket loans rarely have prepayment penalties.
How Do I Get Qualified?
Calling us is the first step; a mortgage professional will give you a detailed explanation of how blanket mortgages work and discuss how this loan may or may not work for your unique situation. If you’re considering a blanket loan, chances are you’re an experienced investor who is ready to delve into the details.
What Type of Properties Can I Finance?
Most blanket loans are for investment properties, both residential and commercial. Blanket loans are rarely, if at all, used to purchase vacation homes or primary residences.
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