Finance multiple CRE properties under a single blanket mortgage. Simplify management, reduce closing costs, and unlock cross-collateral leverage across your portfolio.

Get Portfolio Quote →How It Works ↓

2–20+

Properties per Loan

$1M+

Min Portfolio Value

70–75%

Portfolio LTV

1 Payment

Simplified Servicing

HOW BLANKET LOANS WORK

Cross-Collateralized Portfolio Financing

A blanket loan (also called a portfolio loan) consolidates multiple properties into a single mortgage. Instead of managing separate loans with different lenders, rates, and maturity dates, you have one loan, one payment, and one lender relationship. The properties cross-collateralize each other, which can improve leverage and pricing.

The key mechanism is the release clause — when you sell an individual property, a pre-negotiated release price allows that property to be removed from the blanket mortgage without triggering a full payoff. Getting the right release clause structure is critical and is one of the primary areas where our advisors add value.

Single Loan, Multiple Properties

Consolidate 2–20+ properties into one mortgage. One application, one closing, one monthly payment. Dramatically reduces administrative overhead.

Cross-Collateral Leverage

Stronger properties in your portfolio offset weaker ones. This can increase overall leverage and improve pricing compared to individual loans.

Release Clause Flexibility

Sell individual properties without paying off the entire loan. Release prices are pre-negotiated at closing, typically 110–125% of allocated loan amount.

Reduced Closing Costs

One appraisal package, one set of legal fees, one title policy. Total closing costs for a portfolio are significantly less than individual closings.

Mixed Property Types

Combine retail, office, industrial, multifamily, and other property types in a single blanket facility. Geographic diversity is also accepted.

Portfolio Growth Vehicle

Add new acquisitions to the existing blanket loan through loan modifications, avoiding the need for entirely new loan originations as your portfolio grows.

BLANKET vs. INDIVIDUAL LOANS

Why Portfolio Investors Choose Blanket Financing

Side-by-side comparison of managing multiple individual loans versus consolidating under a blanket structure.

Blanket Loan

Individual Loans

Applications

1 application

1 per property

Monthly Payments

1 payment

1 per property

Closing Costs

Shared across portfolio

Full per property

Rate Negotiation

Portfolio-level pricing

Individual per deal

Sell One Property

Release clause

Pay off that loan

Weak Property Impact

Offset by strong ones

Standalone risk

Admin Burden

Minimal

Scales with count

Best For

3+ properties, growth

Isolated assets

FREQUENTLY ASKED QUESTIONS

Blanket Loan FAQ

How many properties do I need for a blanket loan?

Most lenders require a minimum of 2–3 properties, though the sweet spot is 5–15 properties. With more properties, you get better diversification benefits and more favorable pricing. Some portfolio lenders will finance 20+ properties under one facility.

Can I mix property types in a blanket loan?

Yes. Most blanket lenders accept mixed portfolios — retail, office, industrial, multifamily, and other property types can all be included. Geographic diversity across markets is also typically accepted and can actually improve your risk profile.

What is a release clause and why does it matter?

A release clause allows you to sell an individual property without paying off the entire blanket loan. The release price is pre-negotiated at closing, typically 110–125% of that property’s allocated loan balance. Negotiating favorable release terms is one of the most important aspects of structuring a blanket loan.

What are the risks of cross-collateralization?

The primary risk is that a default on the blanket loan puts all properties at risk, not just the underperforming one. If one property loses value significantly, it can affect your ability to sell or refinance others. This is why portfolio diversification and conservative leverage are important.

Can I add new properties to an existing blanket loan?

Yes, most blanket lenders allow you to add properties through loan modifications or supplemental advances. The new property is added as additional collateral, and the loan balance increases accordingly. This is much faster than originating a new standalone loan.

What rates and terms are available?

Rates typically range from 6.0–8.5% depending on portfolio quality, leverage, and lender type. Terms are 5–10 years with 20–25 year amortization. LTV generally caps at 65–75% of aggregate portfolio value. Recourse requirements vary by lender.

Ready to Consolidate Your Portfolio?

Our advisors structure blanket loans with optimal release clauses across portfolio lenders, banks, and CMBS conduits. No upfront fees.

Get Portfolio Quote →

Loan Programs

Every CRE Financing Structure, One Platform

From conventional mortgages to bridge loans — compare real options across 12 distinct programs.

CRE Loan Overview

How commercial loans work, common structures, and what lenders evaluate

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Qualification Requirements

DSCR, credit score, down payment, and documentation checklist

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Current CRE Rates

Rate ranges by property type, loan structure, and borrower profile

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CMBS Loans

Non-recourse financing with competitive fixed rates for stabilized commercial properties

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Bridge Loans

Short-term financing for acquisitions, repositioning, or refinancing

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DSCR Loans

Income-based qualification without personal income documentation

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CRE Refinancing

Lower rates, better structure, or access equity from existing property

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Owner-Occupied

Buy the building your business operates in with SBA 504 or conventional

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Cash-Out Refinance

Access equity from your commercial property for expansion or acquisition

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Hard Money Takeout

Exit bridge or hard money loans with conventional or SBA refinancing

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Investment Property

DSCR and conventional financing for income-producing properties

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Tenant Improvement

Finance buildout and renovation through CRE loans or SBA programs

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Our 6 commitments to every borrower

Other lenders make promises.
We put them in writing.

Every commitment below exists because real borrowers got burned without it. We built BestLoanUSA to be the lender we wished existed.

Hidden Fees

No surprise charges at closing. Every cost disclosed upfront in writing before you commit.

48hr

Pre-Qualification

Know where you stand within one business day — not weeks or months of silence.

Dedicated Advisor

One point of contact from application to closing. No handoffs, no ghosting, no runaround.

Day 1

Complete Checklist

Full document requirements on your first call. No mid-process surprises asking for "one more thing."

100%

Upfront Pricing

The rate and terms you're quoted are the rate and terms you close on. Period.

5 min

Application

One simple form, multiple lender options. Stop repeating yourself to dozens of brokers.

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· No commitment required

Why borrowers switch to us

Five things your last lender should have done.

Borrowers don't come to us because lending is complicated. They come because someone else made it harder than it needed to be.

1
48 hours to clarity. You'll know exactly where you stand — not wonder for months.
2
Every dollar in writing. The rate and fees you see on day one are the ones you sign at closing.
3
One advisor, start to finish. No handoffs. No vanishing acts. One person who knows your deal.
4
Full checklist, first call. Every document listed upfront. No mid-process surprises.
5
We earn when you close. No upfront fees. Our only incentive is your funded deal.

“I’ve spent over a decade watching good borrowers lose money to a broken process. BestLoanUSA exists so that stops happening.”

Jason Kim

Managing Director, Commercial Lending

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One Loan for Your Entire Commercial Portfolio