How many properties can I blanket?

3 to 25 standalone properties in a single SoloNote.

Is there a DTI requirement?

No — SoloNote has no income, employment, or DTI requirement.

Blanket Loans by MORTAVA

SoloNote Investor Blanket Loans for Brokers

Investor Blanket Loan - Wrap Multiple Properties into one note

Blanket Loans by MORTAVA — Investor Blanket Loan - Wrap Multiple Properties into one note. Built for Investors consolidating 3–25 properties into a single blanket note to stack equity and build wealth.

SCORE

660

80% Purchase

Max Loan

$3.5M

75% Refi

Max LTV

80%

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Best For

See Below

Investors consolidating 3–25 properties

Quick Shot Rules

Fast reference for pricing and structuring

Min FICO: 660
Properties per note: 3 – 25
Loan amount: $150K – $3.5M
Min property value: $50,000
Min DSCR (portfolio): 1.10x
Occupancy: Investment / business purpose only
Terms: 30-Yr Fixed · 30-Yr w/ 10-Yr Interest-Only
Vesting: LLC · Corp · Trust (personal guaranty)
Max cash-in-hand: $2,500,000
Prepay: 5/4/3/2/1 step-down or 3-yr flat

LTV / CLTV Matrix

Max LTV by loan amount and transaction type (blanket portfolio)

Blanket Loans by MORTAVA maximum LTV by loan amount, FICO, and transaction type
Loan Amount	FICO	Purchase	Rate/Term	Cash-Out
$150K – $1M	700+	80%	80%	75%
$150K – $1M	660 – 699	75%	75%	70%
$1M – $2M	700+	75%	75%	70%
$2M – $3.5M	720+	70%	70%	65%

LTV is calculated on the aggregate as-is value of the pooled properties.
Condo, non-warrantable condo, and rural properties reduce max LTV by 5%.

Blanket Loans by MORTAVA • Quick Shots

Highlights

Wrap 3–25 standalone properties into one note
No Income, Employment, DTI
Up to 2.5M cash in hand
Interest-only solutions
Min property value $50K
AI deal structure analysis
One application, one transaction file
LLC / Corp / Trust vesting allowed

Best For

Investors consolidating 3–25 properties into a single blanket note to stack equity and build wealth

Qualification

No personal income, employment, or DTI calculation — portfolio cash flow only
Portfolio DSCR ≥ 1.10x using in-place leases or market rents (1007/1025)
Individual property DSCR may fall below 1.00x if the pool clears 1.10x
First-time investors considered with 700+ FICO and 12 months reserves

Reserves & funds

6 months PITIA reserves on the aggregate note (12 months above $2M)
Business funds and cash-out proceeds acceptable for reserves
Gift funds allowed after a 10% borrower contribution

Property eligibility

SFR, 2–4 units, townhomes, warrantable and non-warrantable condos
Short-term rental income eligible with 12-month history or AirDNA support
No rural land over 20 acres, no ground-up construction, no owner occupancy
Individual release provisions available at par plus release premium

Documentation

One application and one transaction file for the entire pool
Entity docs, operating agreement, and personal guaranty required
Leases or rent roll for occupied units; market rent analysis for vacant
12-month seasoning required for cash-out on recently acquired properties

Scenario Desk

Guidelines summarized here reflect standard program parameters. Exceptions are reviewed in house — send the scenario to your account executive for a structured answer.