Portfolio Blanket · Structural Underwriting Calculator · findloanbrokers.com

Cross-Collateralized 5–50+ Door Portfolio Blanket 115%–120% Release-Clause Analyzer

Model partial property payoffs inside a cross-collateralized multi-property DSCR blanket loan using 110%, 115%, and 120% allocated loan balance release clauses.

Direct Answer · Blanket Release-Clause Underwriting Rule

When selling or refinancing a single property out of a cross-collateralized DSCR portfolio blanket loan, wholesale lenders require a 115% to 120% Release Price (paying down 115%–120% of that property’s allocated loan balance) so the remaining pool’s aggregate LTV and DSCR strengthen.

6. Portfolio Blanket 115%–120% Release-Clause Analyzer

Total Blanket Portfolio Loan Balance ($)

Allocated Loan Balance of Property Being Sold ($)

Contract Sale Price of Released Property ($)

Lender Release Clause Multiplier (115%)

Required Release Paydown (115%)

$276,000

Includes $36,000 curtailment

Gross Proceeds Before Closing Costs

$84,000

Sale Price: $360,000

Remaining Blanket Principal

$1,524,000

De-risks remaining doors

Want Loan Daddy LLC (NMLS #2827624) to Run Your Exact Deal Across 50+ Wholesale Shelves?

Compliance Note: Educational structural underwriting models only; zero interest rates, APRs, or points are quoted. Loan Daddy LLC (NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · (480) 485-1229) is a mortgage broker, not a lender.

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