Blanket Loans
For residential real estate investors managing multiple income producing properties, keeping track of multiple loans, multiple payments, and multiple lenders can become overwhelming. A blanket mortgage loan solves this problem by combining multiple properties into a single loan with one payment, one lender, and one set of terms.
At Mid America Capital Group, we specialize in helping real estate investors nationwide secure the right blanket mortgage loan for their specific portfolio. Whether you own 2 properties or 20, we have the lending relationships to structure a blanket loan that works for your situation.
How Does a Blanket Mortgage Loan Work?
A blanket mortgage loan pools multiple income producing properties together and underwrites them as a single loan. Instead of managing separate financing for each property, all of your properties are secured under one loan agreement.
This is a powerful strategy for real estate investors looking to simplify their portfolio management, free up capital for new acquisitions, and lock in permanent financing across multiple properties at once. When you sell one of the properties in the blanket loan, a release clause allows that property to be removed from the loan without triggering a full payoff.
Benefits of a Blanket Mortgage Loan
Simplified Portfolio Management — One loan, one payment, one lender. Managing your investment portfolio becomes significantly easier when all your properties are consolidated under a single blanket mortgage loan.
Free Up Capital — By putting a permanent blanket mortgage loan on your existing properties you can unlock equity and free up capital to invest in additional real estate without selling your current holdings.
Flexible Release Clauses — Most blanket mortgage loans include a release clause that allows individual properties to be sold or removed from the loan without requiring a full payoff of the entire loan.
Competitive Rates — Bundling multiple properties into one loan can often result in better rates and terms than financing each property individually.
Nationwide Coverage — We work with investors across the country regardless of where your properties are located.
Who Is a Blanket Mortgage Loan Right For?
A blanket mortgage loan is an ideal solution for real estate investors who own multiple income producing residential or commercial properties and want to simplify their financing. It is particularly useful for investors who are actively growing their portfolio and need to free up capital for new acquisitions, investors who want to consolidate multiple high interest loans into one permanent loan, and investors who are tired of managing multiple lenders and payment schedules.
Frequently Asked Questions
How many properties can be included in a blanket mortgage loan?
This varies by lender, but most blanket mortgage loan programs require a minimum of 2 properties and can accommodate portfolios of 20 properties or more. Contact us to discuss your specific portfolio.
What types of properties qualify for a blanket mortgage loan?
Most blanket mortgage loan programs focus on income producing residential properties such as single-family rentals, duplexes, triplexes, and small multifamily buildings. Some lenders also offer blanket loans for mixed commercial portfolios.
Can I still sell individual properties if they are in a blanket mortgage loan?
Yes. Most blanket mortgage loans include a release clause that allows individual properties to be sold and removed from the loan without triggering a full payoff.
What are the typical terms for a blanket mortgage loan?
Terms vary by lender, but most blanket mortgage loans offer 5-to-30-year terms with fixed or adjustable-rate options. We will help you identify the right structure for your investment goals.
How do I get started?
Call us at (816) 895-6400 or fill out our contact form for a free consultation. We will evaluate your portfolio and identify the best blanket mortgage loan options available for your situation.
