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© FlexPoint Inc 2025
NMLS#243082
FHA 7961300002 | VA 9001360000
Grow Your Real Estate Portfolio with Confidence
Tailored Cross Collateral and Blanket DSCR Loans for Experienced Investors
Apply NowWhy Choose Our Blanket DSCR Loans?
High Loan Capacity
Secure up to $6.25M by combining 2 to 25 properties, each valued between $100K and $1.5M per unit.
Flexible Collateral Options
Combine various property types into a single loan, with pricing based on the most restrictive type.
Investor-Focused Terms
Designed for experienced investors with a minimum 1.00 DSCR and business-purpose requirements.
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 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.
Note: Blanket loans with ≥25% condos or 2-4 unit properties require a Single Loan Variance (SLV). Partial releases permitted at 120% of allocated loan amount.
Ready to Scale Your Investments?
Apply for a cross collateral or blanket DSCR loan today and streamline your portfolio financing.
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