Portfolio Loan Calculator
One loan across the whole portfolio. See if it pencils.
One loan, one payment across the whole pool, and the portfolio cash-flows comfortably at this leverage.
Inputs are pre-filled with example figures, edit them to match your deal. Estimates only, for planning purposes, and not a rate quote, an offer, or a commitment to lend. Your actual rate and terms depend on a full review of your deal.
A portfolio (blanket) loan rolls multiple rentals into a single loan with one payment. Lenders underwrite the pool, not each door: total rents against the total payment, which means a strong property can carry a weaker one. This calculator sizes the blanket loan at your target LTV and shows the portfolio-level DSCR and monthly cash flow at that leverage.
Does a blanket loan fit?
- You hold several stabilized rentals and are managing a stack of separate payments, statements, and renewals.
- Conventional financed-property limits have capped you out. A blanket loan has no equivalent cap on doors.
- You want to pull cash out of the combined equity to fund the next acquisition.
- One property is carrying less than its share. The pool is underwritten on combined cash flow, so a strong door can offset a weak one.
- You are still buying one property at a time. Individual DSCR loans are the simpler tool until you have enough to consolidate.
- You are chasing the lowest rate on every door. When each file fits the conventional box, conventional financing usually wins on rate per property.
- You expect to sell most of the portfolio soon. Selling out of a blanket loan runs through a release clause, which is more moving parts than paying off one mortgage.
- The properties are not stabilized yet. Combined rents are what the loan is underwritten on.
Common questions
What is a blanket loan?
How is DSCR calculated on a portfolio loan?
Can I sell one property out of a blanket loan?
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