Portfolio & Blanket Loans

By the Bentley Equity Loans Team
Investor lending specialists · DSCR, bridge, fix & flip & multi-family

Once you own more than a handful of rentals, financing each one separately starts to slow you down. A portfolio loan — sometimes called a blanket loan — lets you finance multiple properties under a single loan with one closing and one monthly payment. It's the tool serious investors use to consolidate, free up cash, and keep scaling without drowning in paperwork.

What a portfolio loan does

Instead of juggling separate notes, rates, and payment dates across your rentals, a portfolio loan wraps them into one facility. That means one underwriting process, one set of closing costs, and one payment to track. For investors holding five, ten, or twenty properties, the operational simplicity alone is worth it — and the loan still qualifies on the properties' combined cash flow, not your personal income.

When it makes sense

• You own several rentals financed separately and want to consolidate them.
• You're buying a package of properties and want a single, efficient closing.
• You want to pull equity out of a stabilized portfolio to fund your next acquisitions.
• You're tired of managing a dozen different loans, rates, and payment dates.

Partial release — the feature that matters

The best portfolio loans include a partial-release option, which lets you sell or refinance an individual property out of the blanket without unwinding the whole loan. That flexibility is what keeps a portfolio loan from feeling like a trap — you stay nimble, selling or repositioning single assets as opportunities come up while the rest of the facility stays in place.

How qualification works

Like our other investor products, a portfolio loan qualifies on the income the properties produce. We look at the combined cash flow against the combined debt — essentially a portfolio-level DSCR — rather than your W-2s or tax returns. Stronger combined coverage earns better terms, and our team will structure the facility around how you actually want to operate.

Related programs

If you're not ready to blanket everything yet, our DSCR rental loans finance properties one at a time, and a DSCR cash-out refinance can free up equity from individual stabilized rentals.