Tailored Cross Collateral and Blanket DSCR Loans for Experienced Investors in Florida

Expand Your Real Estate Portfolio the Smart Way

At FlexPoint Inc., we specialize in Non-QM loans designed for self-employed individuals, investors, and those with unique financial situations. Our tailored mortgage solutions help qualified applicants achieve financing, even if traditional lenders have turned you away.

Loan Eligibility & Requirements

Key Eligibility Criteria

  • Minimum credit score of 680; properties must be non-owner occupied.
  • Experienced investors only; minimum 1.00 DSCR, with individual property DSCR ≥ 0.75.
  • 2 to 25 properties, each with $100K–$1.5M/unit value (e.g., $3M max for 2-unit).
  • Max 60% LTV (Loan To Value) for short-term rental blankets (≥25% short-term rentals); 10% LTV reduction for non-warrantable condos, low DSCR (0.75–0.99), or ≥25% vacant properties.

Required Documentation

  • Loan amount, terms, and detailed property info (address, appraisal, rent, occupancy).
  • Borrower/guarantor details, including credit authorization and HMDA data.
  • Business Purpose Affidavit, Personal Guaranty, and OFAC check for entity owners (25%+).
  • Two appraisals for loans >$2M; pro rata loan allocation for appraisal requirements.

*Additional documents may be required.

Why Choose Our Blanket DSCR Loans?

FlexPoint Inc. offers a variety of non prime loan programs to accommodate different financial scenarios:

Bank Statement Loans

High Loan Capacity

You maybe able to secure up to $6.25M by combining 2 to 25 properties, each valued between $100K and $1.5M per unit.

Check Eligibility

Asset Depletion Loans

Flexible Collateral Options

Combine various property types into a single loan, with pricing based on the most restrictive type.

Check Eligibility

Asset Depletion Loans

Investor-Focused Terms

Designed for experienced investors with a minimum 1.00 DSCR and business-purpose requirements.

Check Eligibility

Ready to Scale Your Investments?

FlexPoint Inc. is committed to simplifying the mortgage process. Our experienced mortgage loan originators guide you through every step, ensuring transparency and personalized service. We understand that each borrower has a unique story, and we’re here to help you find the right mortgage solution.

Apply for a cross collateral or blanket DSCR loan today and streamline your portfolio financing.

Get Started
“

As a small business owner, I struggled to get approved elsewhere. FlexPoint's Bank Statement Loan was the right solution.

Alex M.California
“

As a small business owner, I struggled to get approved elsewhere. FlexPoint's Bank Statement Loan was the right solution.

Alex M.California
“

FlexPoint's team made the process seamless. Their DSCR loan helped me expand my rental portfolio effortlessly.

Maria L.Texas
“

I was impressed with the personalized service and quick approval. Highly recommend FlexPoint for Non-QM loans.

James R.Florida

Q1: What is a Blanket DSCR Loan?

A Blanket DSCR Loan allows real estate investors to finance or refinance multiple income-producing properties under a single loan, based on the cash flow performance of the portfolio — not personal income or tax returns.

Instead of applying for separate loans for each property, a Blanket DSCR Loan consolidates them into one streamlined mortgage, simplifying management and potentially reducing costs.

Q2: Why choose Flexpoint’s Blanket DSCR Loans?

At Flexpoint, our Blanket DSCR Loans are built for serious real estate investors looking to scale efficiently. Here’s why our program stands out:

  • High Loan Capacity: Secure up to $6.25 million by combining 2 to 25 properties, each valued between $100K and $1.5M per unit.

  • Flexible Collateral Options: Mix and match different property types in a single loan — pricing is determined by the most restrictive asset in the bundle.

  • Investor-Focused Terms: Tailored for experienced investors with a minimum DSCR of 1.00 and clear business-purpose use.

Q3: Do you offer loans in my state?

FlexPoint is licensed in multiple states. Please see the NMLS Consumer Access site for our licensing information.