What is the minimum DSCR to qualify?

Most of TAG Lending Group's investors go as low as a 0.75 DSCR. First-time investors may need a 1.00 or higher, and No-Ratio programs are available when the rent does not need to cover the payment.

How much down payment do I need for a DSCR purchase?

Some DSCR investors allow as little as 15% down on a purchase. TAG Lending Group recommends 25% down so the property cash flows and to avoid Loan-Level Price Adjustments (LLPAs), which can apply when the rent does not cover the mortgage payment. Down payment, reserves and closing costs vary by investor, DSCR, credit and experience.

What rent can be used to qualify for a DSCR loan?

A signed long-term lease, the appraiser's market rent schedule (Form 1007), or short-term rental income such as Airbnb or VRBO based on rental history or market data, depending on the investor.

Can I close a DSCR loan in an LLC?

Yes. DSCR loans qualify on the property's rent, so you can close in your LLC with no tax returns, W-2s or pay stubs, and you can add a partner or family member to title or the LLC to qualify with their credit.

Is there a seasoning requirement for a DSCR cash-out refinance?

No ownership seasoning is required with some of our investors. Others require 6 to 12 months of ownership before a cash-out.

Loan Programs

Portfolio and Blanket Loans

Q: How do you calculate DSCR?

DSCR = monthly rent divided by monthly PITIA (principal, interest, taxes, insurance and HOA). A 1.00 ratio means the rent covers the full payment. Above 1.00, the property cash flows.

A streamlined financing solution designed for real estate investors who want to finance multiple rental properties under one portfolio or blanket loan structure.

Connect To A Loan Officer Explore Program Details

Program Overview

Portfolio and Blanket Loans are designed for real estate investors who want to finance multiple investment properties through a more consolidated lending structure. Instead of managing separate financing for every property, qualified investors may be able to place multiple rental properties into one portfolio transaction, creating a more streamlined approach to financing and portfolio management.

Program Features

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Designed specifically for investment property portfolios.

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Allows multiple eligible rental properties to be financed within a portfolio or blanket structure.

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Available for qualified purchase, rate-and-term refinance, and cash-out refinance scenarios.

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Can help investors consolidate multiple property loans into a more streamlined financing structure.

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Supports entity vesting options for eligible real estate investors.

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Designed to support investors as they expand and manage larger rental portfolios.

Why Choose This Program?

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Simplifies financing by combining multiple investment properties into a portfolio strategy.

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A strong option for investors who have outgrown traditional single-property financing.

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Can reduce the administrative burden of managing numerous individual property loans.

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Helps experienced investors structure larger acquisition or refinance opportunities.

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Provides greater flexibility for investors managing several rental properties.

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Creates another financing path for borrowers focused on building and scaling a real estate portfolio.

Who This Program Is Great For?

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Real estate investors with multiple rental properties.

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Investors purchasing several properties as part of one acquisition strategy.

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Borrowers looking to refinance and consolidate an existing rental portfolio.

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Experienced investors who want to simplify multiple property loans.

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Investors seeking financing beyond traditional property-count limitations.

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Clients who want guidance on structuring a portfolio or blanket loan transaction.

Download Loan Program

Preview the loan program sheet and download the full program details instantly.

Download Loan Program

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Access the co-branded version to share this program with your clients and Co-Org Loan partners.

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Need Help Structuring a Portfolio or Blanket Loan?

Connect with a loan officer to review your portfolio and get clear guidance on the best financing structure for your scenario.

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Portfolio and Blanket Loans at a Glance

Quick answer: A portfolio or blanket loan lets real estate investors finance multiple rental properties under one loan, qualified on rental income instead of personal income. TAG's cross-collateral DSCR structure offers up to 80% LTV, a 700 minimum FICO and loan amounts up to $6.25M, subject to underwriting and investor guidelines. Last reviewed: November 2026.

80%

Max LTV

700

Min. FICO

$6.25M

Max loan amount

1 loan

Multiple properties

More Portfolio and Blanket Details

One loan secured by multiple investment properties
Qualification is based on combined property cash flow, not personal income or tax returns
Closing in an LLC or other entity is available by program
Property count, property types and release provisions vary by investor
Terms, LTV and eligibility vary by investor, occupancy, property type and loan size

Portfolio and Blanket Loan FAQs

What is a blanket or portfolio loan?

A single mortgage secured by more than one property, so investors can finance or refinance a group of rentals in one closing instead of several separate loans.

What are the LTV, credit score and loan amount limits?

The cross-collateral DSCR structure offers up to 80% LTV, a 700 minimum FICO and loan amounts up to $6.25M. Final limits depend on the investor, property mix and borrower profile.

Do I need tax returns for a blanket loan?

Generally no. DSCR-based portfolio loans qualify on the properties' rental income, though credit, assets and reserves are still reviewed.

Can I close a portfolio loan in an LLC?

Yes, closing in an LLC or other entity is available on many programs. Entity documents and guarantor requirements apply.

How is this different from a single-property DSCR loan?

A standard DSCR loan covers one property. A blanket loan covers several under one note. See TAG's DSCR investor program for single-property options.

Can mortgage brokers submit portfolio loans to TAG?

Yes. Licensed brokers can submit files through TAG's wholesale channel in the states where TAG is licensed as a lender. No approval or closing date is guaranteed.

How We Calculate DSCR: The 1.00 Ratio

DSCR = Monthly Rent ÷ Monthly PITIA (principal, interest, taxes, insurance and HOA). A 1.00 ratio means the rent covers the full payment. Example: $2,900 rent ÷ $2,900 PITIA = 1.00. Above 1.00, the property cash flows. Below 1.00? Most of our investors go as low as a 0.75 DSCR, and No-Ratio programs are available when the rent doesn't need to cover the payment.

Rent We Can Use

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A signed long-term lease.

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The appraiser's market rent schedule (Form 1007).

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Short-term rental income (Airbnb, VRBO and similar), based on rental history or market data, depending on the investor.

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Your investing experience affects which rent source and minimum ratio an investor accepts. First-time investors may need a 1.00 or higher.

Flexibility That Helps You Qualify

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Add a partner or family member to title or your LLC and qualify using their credit.

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No ownership seasoning required with some of our investors. Others require 6–12 months of ownership before a cash-out.

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Close in your LLC, with no tax returns, W-2s or pay stubs.

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Minimum 620 credit score. Foreign national programs do not require a U.S. credit score.

Run Your DSCR Numbers

Do you own an investment property today?

Yes shows how to turn that equity into your next properties. No goes straight to the purchase calculator.

How the Equity-to-Portfolio Strategy Works

Refinance the rental you own

A DSCR cash-out refinance replaces your current loan with a larger one, typically up to 75–80% of the appraised value depending on the investor.

Pull out the equity

The difference between the new loan and your current balance, less closing costs, comes back to you as cash.

Use it as down payments

That cash becomes the down payment, closing costs and reserves on one or more income-producing properties.

Qualify each on its rent

Each new purchase can be financed with a DSCR loan that qualifies on that property's rent and can close in your LLC.

How a DSCR Purchase Works

Pick the rental

Choose a property that rents for at least its full payment, or close to it.

Rent qualifies the loan

We use the lease, the appraiser's 1007 market rent or short-term rental data instead of tax returns.

Bring down payment and reserves

DSCR purchases can start at 15% down with some investors. TAG recommends 25% down so the property cash flows and to avoid Loan-Level Price Adjustments (LLPAs) that apply when rent does not cover the payment.

Close in your name or LLC

Close as an individual or in your LLC, then repeat on the next one.

Equity-to-Portfolio Calculator

DSCR Purchase Calculator

Enter your own numbers to see a hypothetical illustration. TAG Lending Group does not quote rates on this page: enter an interest rate assumption to see payments, cash flow and DSCR. Your loan officer will give you actual terms for your scenario.

Property you own

Current property value ($)Current financing

Current loan balance ($)Current interest rate (%)Years remaining on current loan

Monthly rent ($)Monthly taxes, insurance & HOA ($)Cash-out LTV

Next properties

Property you want to buy

Purchase price ($)Down payment (%)

As little as 15% down with some investors. TAG recommends 25% down to cash flow and avoid Loan-Level Price Adjustments (LLPAs) when rent does not cover the payment.

Monthly rent ($)Rent sourceMonthly taxes, insurance & HOA ($)

Assumptions

Interest rate assumption (%)Loan termPayment type

Seller concessions ($) – max 6% of price

Closing costs are estimated for you at 3% (low) to 5% (high).

Cash held back for reserves ($)

Estimated cash out

–After 3–5% closing costs

Additional properties

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Properties controlled

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Total monthly rent

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Est. net monthly cash flow

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DSCR per new property

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Loan amount

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Est. cash to close

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Principal & interest

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Total PITIA

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DSCR

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Est. monthly cash flow

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Before vs. after (monthly)

Enter your name, email and phone to get a PDF of these numbers you can text to yourself or save.

Hypothetical illustration for educational purposes only. Not an offer, a rate quote or a commitment to lend. Results depend entirely on the assumptions entered and do not include vacancy, repairs, management, capital expenses or changes in rent, taxes, insurance or value. Payments shown are principal and interest on the selected loan term (30 years unless changed), or interest only if selected; actual programs, terms, LTV limits, reserves, minimum DSCR and closing costs vary by investor. Minimum 620 credit score; foreign national programs do not require a U.S. credit score. Business-purpose investment property financing only. Investing in real estate involves risk, including loss of equity. Consult your own tax, legal and financial advisors. TAG Lending Group, LLC, NMLS #2329372. Equal Housing Opportunity.

PORTFOLIO AND BLANKET LOANS

Portfolio and Blanket Loans

Program Overview

Program Features

Why Choose This Program?

Who This Program Is Great For?

Download Loan Program

Co-Brand Loan Program

Need Help Structuring a Portfolio or Blanket Loan?

Portfolio and Blanket Loans at a Glance

More Portfolio and Blanket Details

Portfolio and Blanket Loan FAQs

What is a blanket or portfolio loan?

What are the LTV, credit score and loan amount limits?

Do I need tax returns for a blanket loan?

Can I close a portfolio loan in an LLC?

How is this different from a single-property DSCR loan?

Can mortgage brokers submit portfolio loans to TAG?

How We Calculate DSCR: The 1.00 Ratio

Rent We Can Use

Flexibility That Helps You Qualify

Run Your DSCR Numbers

How the Equity-to-Portfolio Strategy Works

Refinance the rental you own

Pull out the equity

Use it as down payments

Qualify each on its rent

How a DSCR Purchase Works

Pick the rental

Rent qualifies the loan

Bring down payment and reserves

Close in your name or LLC

Equity-to-Portfolio Calculator

DSCR Purchase Calculator

Property you own

Next properties

Property you want to buy

Assumptions

Related Programs

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