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One loan, all properties
Group two or more rentals under a single blanket — one payment, one servicer, one escrow statement.
Portfolio DSCR · Blanket loan · No tax returns
Portfolio & Blanket DSCR Loans one loan, multiple properties, one payment
Consolidate two or more income-producing rentals under a single DSCR loan. Qualify on rent rolls, not tax returns. Blended DSCR means one strong performer can carry a softer one.
- 2+
- Properties minimum
- $500K–$10M+
- Loan amount
- None
- Tax returns required
- 5–19 days
- Typical close
Process
From portfolio to funded in 5 steps
One loan closes on all properties. One payment goes out each month.
01
Submit your portfolio
Share property addresses, estimated values, and current or projected rents via the loan calculator or submit-deal form.
02
AIVAA evaluation
CR Equity AI runs each property through AIVAA — delivering value estimates and market rent benchmarks within hours.
03
Blended DSCR calculation
Total NOI across all properties is divided by projected debt service. Strong performers offset lighter ones.
04
Term sheet and due diligence
Once blended DSCR clears the threshold, you receive a term sheet. Rent rolls, leases, entity docs — no personal tax returns.
05
Close in 5–19 days
One loan, one servicer, one payment date. All property liens are coordinated in a single close.
DSCR = NOI ÷ annual debt service. Program floor is 1.00x. Open the full DSCR calculator, or jump to the on-page example.
All figures are indicative and subject to change. Final terms set at commitment.
Why consolidate with CR Equity AI
One blanket loan replaces multiple servicers, payment dates, and annual documents. Qualify on rent rolls — not your tax return.
Blended DSCR means your portfolio qualifies together. Soft performers stay funded.
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Blended DSCR qualification
Strong performers offset softer ones. A single underperforming property does not kill the deal.
03
No tax returns required
Income is assessed from rent rolls, leases, and market rent data — not W-2s or personal returns.
04
AIVAA™ property evaluation
Each property is assessed through AIVAA, delivering value estimates in hours, not weeks.
Portfolio & Blanket DSCR Loans from a direct lender
Two or more rental properties. One loan. One payment. Qualify on rent rolls and market rents — no tax returns, no W-2s.
CR Equity AI runs each property through AIVAA for fast, data-driven value and rent assessment. From term sheet to close in 5–19 days.
- Loan Amount
- $500K – $10M+ (contact for larger portfolios)
- Minimum Properties
- 2 (no hard ceiling)
- LTV — Purchase
- Up to 70–75%
- LTV — Rate/Term Refinance
- Up to 75–80%
- LTV — Cash-Out Refinance
- Up to 70–75%
- Minimum Blended DSCR
- Typically 1.0–1.20x
- Minimum Credit Score
- Typically 660+ (rate-tiered)
- Tax Returns
- None required
- Loan Term
- 5, 7, 10, 25, or 30-year options
- Amortization
- 30-year standard; interest-only periods available
- Rate Type
- Fixed and ARM options available
- Prepayment
- Step-down structures typical (e.g. 5-4-3-2-1)
- Property Types
- SFR, 2–4 unit, condo, STR/Airbnb
- Occupancy
- Non-owner-occupied, investment only
- Entity
- LLC, LP, corporation
- Close Time
- Generally 5–19 business days
Who qualifies
Business-purpose blanket DSCR loans for investors holding 2 or more income-producing properties.
| Status | Situation |
|---|---|
| Eligible | 2 or more qualifying rental properties |
| Eligible | LLC, LP, or corporate entity — business-purpose loan |
| Eligible | SFR, 2–4 unit, condo, STR/Airbnb with documented income |
| Eligible | Non-owner-occupied investment properties only |
| Eligible | Multi-state portfolios within CR Equity AI's lending footprint |
| Eligible | 660+ credit score (affects rate, not necessarily eligibility) |
| Eligible | Purchase and refinance; cash-out on stabilized portfolios |
| Not eligible | Owner-occupied or primary residence properties |
| Not eligible | Single property (this program requires 2+ minimum) |
| Not eligible | Portfolios with blended DSCR consistently below the minimum threshold |
| Not eligible | Properties outside CR Equity AI's current lending footprint |
STR/Airbnb portfolios with 2+ properties may also qualify under the dedicated STR portfolio blanket DSCR program, which uses AirDNA market data for income assessment.
When a portfolio blanket loan fits
Consolidate 5+ individual loans
Trade five servicers and five payment dates for one blanket loan, one payment, one annual statement.
Portfolio-level cash-out
Access equity from your entire portfolio in one transaction — not property by property.
Carry a soft performer
A property with a 0.90x individual DSCR cannot get its own loan. Blended into a strong portfolio, it may qualify.
Multi-state portfolio, one loan
Properties in different states can be cross-collateralized under one blanket — subject to lender licensing.
STR and long-term rental mix
Blend Airbnb seasonal income with stable long-term rent under one blended DSCR. Seasonal dips get absorbed by the portfolio.
Frequently Asked Questions
Straight answers on blended DSCR, LTV, release clauses, and multi-state portfolios.
CR Equity AI's blanket DSCR program is available for portfolios with as few as 2 qualifying properties. There is no hard ceiling — portfolios of 20, 30, or 50+ properties are evaluated on a case-by-case basis.
The program uses a blended DSCR calculated across all properties in the portfolio. A minimum blended DSCR of 1.0–1.20x is typically required, depending on LTV and credit profile. One underperforming property can be offset by stronger performers elsewhere in the portfolio.
Yes. STR properties are eligible and income is assessed using trailing AirDNA data, verified booking histories, or market rent comparables. CR Equity AI also offers a dedicated STR portfolio blanket DSCR loan for operators with primarily Airbnb/VRBO holdings.
Purchase loans are generally available up to 70–75% LTV. Cash-out refinances are typically up to 70–75% LTV on stabilized portfolios. Rate/term refinances may go up to 75–80% LTV. Final LTV depends on portfolio blended DSCR, credit, and property types.
Once the loan is closed and funded, individual property performance does not automatically trigger a default, provided you are current on the single monthly payment. Maintain adequate cash reserves — typically 3–6 months of the combined payment — to protect against short-term income disruption.
A release clause allows you to sell or remove one property from the blanket lien by paying a specified percentage of that property's allocated loan balance — commonly 110–120% of the allocated balance. The remaining properties continue under the blanket loan. Release clauses must be negotiated at origination. See Release Clause Explained for a full dollar-amount walkthrough.
Yes. CR Equity AI's blanket DSCR loans are business-purpose loans structured for LLC, LP, and corporate entities. Holding properties in an LLC is standard practice and does not affect eligibility.
Most blanket DSCR loans close within 5–19 business days from completed application. Timeline depends on portfolio size, title complexity, and how quickly due diligence documents are submitted.
Yes. A single blanket loan can collateralize properties in different states, subject to CR Equity AI's current lending footprint. Multi-state portfolios may require additional title work in each jurisdiction.
Blended DSCR = total portfolio NOI ÷ total debt service on the proposed blanket loan. NOI is calculated as gross rent minus property taxes, insurance, HOA, and a vacancy allowance. Strong-performing properties in the pool offset softer ones — the entire portfolio qualifies together.
One loan for your entire portfolio.
No tax returns. No W-2s. Qualify on rent rolls. Get a quote in 60 seconds.
- 2+
- Properties minimum
- $500K–$10M+
- Loan amount
- None
- Tax returns required
- 5–19 days
- Typical close