Can I get DSCR loans on multiple properties?
Yes. DSCR loans have no cap on financed properties, unlike conventional. Many investors hold 10, 20, or 50+ rentals via DSCR.
One of DSCR's biggest advantages over conventional is the absence of a financed-property cap. Fannie Mae caps you at 10 financed properties; Freddie Mac at 6. Beyond that, conventional becomes unavailable. DSCR has no equivalent cap - each loan stands on its own property's cash flow, and there's no DTI rollup that disqualifies you at the borrower level. Many active investors hold 20, 50, or 100+ properties via DSCR. Practical considerations as portfolios scale: (1) reserves requirements increase (lenders typically want 6 months on each property as portfolio grows), (2) some lenders cap individual borrower exposure (e.g. $5M total exposure across loans), (3) at 10+ properties, blanket loans become attractive - one loan covers many properties at lower transaction cost. Lender concentration: spread loans across 3-5 lender relationships once you cross 10 properties. This avoids exposure caps and gives you backup options if one lender pauses lending in your market.
People also ask
When does a blanket loan make more sense than individual DSCR loans?
Usually around 5+ properties. The transaction cost savings (one closing instead of many) and operational simplicity (one payment, one lender) outweigh the loss of individual flexibility.
Do I need to keep separate LLCs for each property?
Common but not required. Many investors use one LLC per property for liability isolation; others use a series LLC or a single LLC with umbrella insurance.
Got a specific scenario?
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Blanket Loan
Blanket loans cover multiple investment properties under a single mortgage. DSCR underwriting at the portfolio level, release clauses, and one closing.
Cross-Collateral
Cross-collateral loans use equity from one investment property to support financing on another. Solve down payment shortfalls without selling.