Refinance Blueprint · 75% – 80% Aggregate LTV · DSCR Loans in Tennessee — Nashville, Gatlinburg/Pigeon Forge Cabin STR & Memphis Rental Financing
Blanket Portfolio DSCR Consolidation & Equity Harvest Strategy
Direct Strategy Summary: Blanket Portfolio DSCR loans consolidate 3 to 50+ single-family rentals, townhomes, or 2–4 unit properties into one cross-collateralized 30-year fixed or 5/7/10-year hybrid note with an aggregate portfolio DSCR calculation and a 110%–120% partial release clause.
Eligible Asset Count
3 to 50+ Properties
$500K to $25M+ single-note facility across single-state or multi-state rental portfolios.
Partial Release Clause
110% – 120% Allocated Payoff
Sell or refinance individual properties out of the blanket lien without refinancing the entire note.
Aggregate DSCR Pooling
1.15x – 1.20x Combined
High-yielding doors offset lower-DSCR appreciation doors inside the same pool.
Recourse Options
Full or Non-Recourse Available
Non-recourse with standard bad-boy carveouts available on stabilized portfolios ≥ $1.5M.
Step-by-Step Underwriting & Execution Sequence
STEP 01
Upload Schedule of Real Estate Owned (SREO) & Leases
Compile current property addresses, unit counts, in-place rents, taxes, insurance, and existing debt payoffs.
STEP 02
Run Allocated Loan Amount (ALA) & DSCR Pool Optimization
Structure allocated loan balances per door so future partial releases preserve ≥ 1.20x remaining DSCR.
STEP 03
Close Under Master Holding LLC or Series LLC
Consolidate multiple hard-money or floating-rate notes into a single monthly payment.
Frequently Asked Underwriting Questions
Can I sell one house out of a blanket DSCR portfolio loan later?
Yes. Institutional blanket DSCR loans include a Partial Release Clause allowing you to release individual parcels by paying 110%–120% of that property allocated loan balance.
Can properties in different states be combined into one blanket DSCR loan?
Yes, in all business-purpose states where our wholesale portfolio conduits hold active lending authority.