2026 Blanket Cross-Collateralized Portfolio Desk · California Private Money Loan — Fast-Close Bridge, ADU Value-Add & Coastal Fix-and-Flip Financing

Blanket Portfolio DSCR Loans (2 to 100+ Rental Doors in One Loan)

Blanket Portfolio DSCR Loans consolidate 2 to 100+ single-family rentals, townhomes, and 2–4 unit properties into a single cross-collateralized commercial facility—reducing per-door closing costs, unlocking non-recourse SPE terms, and incorporating 110%–120% partial release clauses so individual properties can be sold without refinancing the entire portfolio.

Launch Portfolio SREO & Blanket Release Builder →Match Across 45+ Wholesale Shelves

2026 Wholesale Rate Band

6.375% – 7.875% (30-Yr Fixed / 5 & 10-Yr IO)

Maximum Leverage

75% – 80% Aggregate Portfolio LTV

Minimum DSCR & FICO

1.10x – 1.20x Consolidated Portfolio DSCR · 660+

Loan Amount Range

$500,000 – $50,000,000+

Key Institutional Credit-Box Highlights

✓Cross-collateralize 2 to 100+ rental properties across one or multiple states under a single monthly payment
✓Strong-performing high-DSCR doors offset lower-DSCR or high-appreciation doors inside the consolidated pool
✓115% standard partial release clause lets you sell or 1031-exchange individual properties mid-term
✓Non-recourse carves-out execution available on portfolios above $2,000,000

Seasoning & Release Structure:110% – 120% Partial Release Clauses Allow Selling Individual Doors Without Full Refi

Prepayment Penalty Structures:5/4/3/2/1, 3/2/1, Declining, or Yield Maintenance

Frequently Asked Questions — Blanket Portfolio DSCR Loans

How does a partial release clause work on a blanket DSCR portfolio loan?

A partial release clause (typically 110% to 120% of the allocated loan amount for that specific property) allows you to sell or refinance an individual property out of the blanket loan by paying down 110%–120% of its allocated principal balance, provided the remaining portfolio maintains the minimum consolidated DSCR.

Can a blanket DSCR loan cover properties in multiple states?

Yes. Institutional portfolio DSCR shelves arranged by Loan Daddy LLC (NMLS #2827624) can cross-collateralize rental properties across multiple states inside a single Delaware or multi-state SPE LLC.

Key Institutional Credit-Box Highlights

Frequently Asked Questions — Blanket Portfolio DSCR Loans

How does a partial release clause work on a blanket DSCR portfolio loan?

Can a blanket DSCR loan cover properties in multiple states?

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