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

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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.

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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
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3
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4
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Managing Director, Commercial Lending

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