DSCR Loans

The lender adds up rent across the whole pool and checks it against the total payment, rather than testing each address alone.

Qualification runs on the combined rent across the pool rather than personal tax returns.

Every property still gets its own appraisal and title review, but they all secure the same debt.

The lender still values and reviews every property individually, but qualification runs on the blended number, not each address on its own.

Lenders blend the rent and payment across the whole pool into a single coverage ratio, so a strong duplex can carry a weaker rowhouse.

A blanket loan is one loan, secured by more than one property.

It works cleanly for investors whose whole portfolio sits inside Maine, and it comes with real tradeoffs on how easily you can sell one property later.

Underwriting still checks every property on its own, but qualification runs on the pool’s total rent against its total payment.

Some lenders truly blend the properties into one blanket lien; others just bundle separate notes under shared paperwork.

Loan sizes through the network run from $150,000 up to $10,000,000, with leverage that steps down as the balance grows.

The upside is one closing and one payment date.

Investors use this structure once they outgrow conventional financing limits or want to manage a growing portfolio with fewer moving parts.

Delaware investors use this structure most often when they hold multiple rentals in an LLC and want fewer moving parts to manage.

Strong properties can offset weak ones in the blend.

All properties get cross-collateralized, meaning each one backs the whole debt.