Rental Portfolio and Blanket Loans
One loan across several single-family, duplex, triplex and fourplex rentals: one closing, one payment, qualified on the combined rent rather than your tax returns. Up to $2,000,000 and up to 80% of value.
Size Your Portfolio
Enter each rental. The calculator adds up the group the way the lender does and shows the most principal and interest the combined rent can carry, next to the most the leverage limits allow. Your loan is the smaller of the two. It does not guess an interest rate: once you have a quote, the payment at that rate has to fit under the first number.
Send the deal and a person checks it against the program terms, then replies by email with what the lender can do.
Program Terms
These are the published terms of the rental portfolio program Janover Capital places these loans with, as of October 24, 2026. Rates, points, prepayment terms and the minimum number of properties are quoted per portfolio.
| Use | Purchase, rate-and-term refinance or cash-out refinance across a group of rentals |
|---|---|
| Property types | Single family, 2-4 units, townhomes, PUDs and warrantable condos that nobody in your group lives in. No vacation or seasonal rentals |
| Loan amount | Up to $2,000,000; each property worth at least $72,000 |
| Leverage | Up to 80% LTV on a purchase or rate-and-term refinance; up to 75% on cash-out |
| Seasoning | Owned under 90 days, the loan is sized on cost; after 90 days, on appraised value |
| Minimum DSCR | 1.05x on the portfolio as a whole (gross rent divided by PITIA) |
| Occupancy | At least 90% of units leased |
| Rate options | Fixed and adjustable; partial interest-only or fully amortizing |
| Minimum credit score | 680 |
| Borrower | An LLC or corporation; full recourse with a pledge of the entity |
| Foreign nationals | Eligible, up to 65% LTV |
| Where | 47 states and Washington, DC. Not North Dakota, South Dakota or Vermont, and not rural properties |
How a Portfolio Is Tested
The coverage test runs on the group, not on each house. Add every rent together, add every payment together (principal and interest, taxes, insurance and HOA dues), and divide. At 1.05x or better the portfolio qualifies on coverage.
That is the main reason to borrow this way. A fourplex that covers its payment 1.30 times can carry a single-family house that only covers 0.95 times, where the weaker house would fail on its own DSCR loan. The other tests are still per property: each one has to be worth at least $72,000, and across the group at least 90% of units have to be leased.
Take the three rentals in the calculator. Rent is $6,400 a month. Taxes and insurance are $14,700 a year, or $1,225 a month. At 1.05x the rent supports $6,095 of total monthly payment, which leaves about $4,870 for principal and interest. Leverage allows up to $588,000 on a purchase or rate-and-term refinance against $735,000 of value, or $551,250 on a cash-out. Whichever is lower once you have a rate is the loan.
One Loan or One Per Property?
A separate DSCR rental loan on each house keeps every property independent: you can sell or refinance one without touching the others, and the program's minimum credit score is 660 rather than 680. A blanket loan trades that independence for one closing, one appraisal process, one payment date and the ability to let strong rentals carry weak ones.
Ask before you close how the loan handles selling a single property out of the group. Release terms on a blanket loan are set loan by loan, and they decide how easily you can prune the portfolio later.
What to Send
A list of the properties: address, units, what you paid or what each is worth, and any current loan balance
A rent roll with the monthly rent on every unit and which units are leased
Yearly property taxes, insurance premiums and any HOA dues for each property
The LLC or corporation that owns them, or will
The program does not ask for W-2s, pay stubs or personal tax returns to qualify.
Larger Portfolios and Apartment Buildings
A group worth more than this program lends against, or one that includes buildings of five units or more, is a different loan. Send it through the multifamily quote form and the desk will quote it with other lenders. For a single apartment building, start with Fannie Mae small loans and Freddie Mac small balance loans.
Check a Portfolio
Tell us about the rentals and roughly where your credit sits. A person checks the group against the program terms and replies by email with what the lender can do, or why it does not fit. You can also run each property through the Doors Funded portfolio DSCR calculator, which shows every property's ratio side by side.
Start here
Get a quote on your deal.
Tell us about the rentals. A person checks them against the program terms and replies by email. No credit pull, no cost.
Prefer to talk? (561) 556-5777