Cross-collateralization & blanket loans
A blanket loan finances multiple properties under a single loan secured by all of them; cross-collateralization uses the equity in properties you already own to support a new acquisition. Both let portfolio investors move faster, tap trapped equity, and reduce the per-deal closing friction of financing properties one at a time.
What is a blanket loan?
A blanket loan wraps several rental properties into one loan with one payment, often with a release clause that lets you sell an individual property without retiring the whole loan. It’s the standard tool once a portfolio grows past a handful of doors.
What is cross-collateralization?
Cross-collateralization pledges equity in a property you already own as additional security for a new loan — useful when a great deal needs more leverage than the subject property alone can support, or when you want to buy with little new cash by leveraging existing equity.
When to use them
Reach for a blanket or cross-collateral structure when you’re consolidating several rentals, acquiring at scale, or unlocking equity to keep buying. They’re business-purpose loans, so they can close in an LLC and qualify on the assets’ cash flow rather than personal income.
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