DSCR & Cash Flow

Blanket / Cross-Collateralized Portfolio DSCR Loan

A single commercial or DSCR note secured by 2 to 25+ rental properties under one master loan and payment.

Underwriting Formula / Rule

Portfolio DSCR = Aggregate Gross Rent of All Properties ÷ Aggregate Monthly PITIA.

Detailed Credit-Committee Impact & Thresholds

Portfolio blanket loans allow investors scaling multiple SFRs or small multifamily properties to consolidate refinance closings or cross-collateralize equity across multiple doors with partial release clauses.

2026 Wholesale Benchmark: 110%–120% release price provisions allow selling individual properties out of the blanket.

Related Underwriting Terms

Debt Service Coverage Ratio (DSCR)Form 1007 Single-Family Comparable Rent Schedule Form 1025 Small Residential Income Property Appraisal Report 5-4-3-2-1 Step-Down Prepayment Penalty 3-2-1 Step-Down Prepayment Penalty Yield Maintenance Prepayment Provision