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PORTFOLIO BLANKET LOAN RANKINGS
Top 10 Blanket & Cross-Collateralized Rental Portfolio Lenders (3 to 50+ Doors)
Bottom-Line Underwriting Answer (BLUF)
Instead of managing 12 separate mortgages, appraisals, and tax escrows, portfolio investors consolidate 3 to 50+ single-family or 2–4 unit rentals into a single cross-collateralized blanket note with partial release clauses (110%–115% release paydown).
Methodology & Redaction Notice: Audited for multi-property cross-collateralization, partial-release flexibility, and aggregate portfolio DSCR calculation. Public Directory visibility mode enforced (internal AE contact details, wholesale broker comp BPS, and internal status flags are never exposed publicly).
| Rank | Verified Lender / Conduit | Max Purchase LTV | Max Cash-Out LTV | Min DSCR | STR / AirDNA | Active States | Action |
|---|---|---|---|---|---|---|---|
| #1 | Truly Investor Capital Non-QM & DSCR Wholesale / Investor Lender · Chandler, AZ | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #2 | theLender Non-QM & DSCR Wholesale / Investor Lender · Lake Forest, CA | 85% | 75% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #3 | Deephaven Mortgage Non-QM & DSCR Wholesale / Investor Lender · Charlotte, NC | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 46 States | Match Shelf → |
| #4 | American Heritage Lending Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 85% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #5 | Carrington Mortgage Services Non-QM & DSCR Wholesale / Investor Lender · Orange, CA | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #6 | Equity Wave Lending Inc Non-QM & DSCR Wholesale / Investor Lender · Irvine, CA | 75% | 70% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 45 States | Match Shelf → |
| #7 | HomeXpress Mortgage Non-QM & DSCR Wholesale / Investor Lender · Santa Ana, CA | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 42 States | Match Shelf → |
| #8 | Luxury Mortgage Corp Commercial CRE & Bridge Lender · Chicago, IL | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 34 States | Match Shelf → |
| #9 | Change Wholesale (Change Lending) Non-QM & DSCR Wholesale / Investor Lender · Anaheim, CA | 80% | 75% | 0.75x | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
| #10 | Easy Street Capital Non-QM & DSCR Wholesale / Investor Lender · Austin, TX | 80% | 75% | No-Ratio (0.00x / <1.00x) | Allowed (AirDNA / T-12) | 51 States | Match Shelf → |
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