Investment Properties

That pooling can rescue a thin-margin triple-decker that would fail standalone underwriting.

The loan qualifies on the properties’ income, not the borrower’s tax returns, subject to lender guidelines.

Lenders add up rent and debt payments across the whole group and test one blended coverage number.

Underwriting sums the rent and the payment across the whole group and tests one blended ratio, not each property alone.

Lenders in Lendmire’s wholesale network size these from $150,000 up to $10,000,000, with leverage stepping down as the balance grows.

Every property still gets its own appraisal and rent number, but they’re cross-collateralized under a single note.

Leverage steps down as loan size climbs, and cross-collateralization is the tradeoff that makes the consolidation possible.

Qualification still runs primarily on property-level rental income covering the payment, subject to lender guidelines, not personal tax returns.

Rents from a strong duplex can offset a weaker rowhouse, which is the entire appeal.

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

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

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.