Blanket Loans in Charlotte - Finance Multiple Properties with One Loan
What Is a Blanket Loan?
A blanket loan is a type of real estate financing that allows investors in Charlotte, NC to finance multiple properties under a single mortgage, making it ideal for portfolio growth, fix-and-flip projects, or new construction. Instead of applying for separate loans on each property, a blanket mortgage simplifies the process by combining them into one loan with a single monthly payment. These loans often include a release clause, which lets you sell individual properties without refinancing the entire loan-giving Charlotte real estate investors more flexibility, better cash flow management, and streamlined access to capital.
Is a Blanket Loan Right for You?
On Point blanket loans are built for:
• Charlotte investors with multiple properties
• Fix-and-flip professionals handling several deals
• Builders developing multiple lots or homes
• BRRRR investors scaling fast
• Out-of-state buyers managing from afar
• Landlords consolidating rental property loans
Key Advantages and Drawbacks of Using a Blanket Loan in Charlotte
- Finance multiple properties with one loan
- Faster real estate portfolio growth
- Ideal for BRRRR and fix-and-flip investors
- Release clause allows individual property sales
- Great for managing Charlotte investment properties
- Streamlined payments for easier cash flow management
- Cross-collateralization increases risk
- Not ideal for first-time homebuyers
- Complex loan structures to review carefully
- May come with higher rates or balloon terms
- Limited access through traditional lenders
- Requires strong credit and investor experience
Why Choose On Point Home Loans for Blanket Loans?
At On Point Home Loans, we specialize in helping Charlotte real estate investors secure flexible, reliable financing for multi-property portfolios.
Local Expertise in Charlotte Real Estate
Our deep understanding of the Charlotte market allows us to structure blanket loans that align with local property values, growth trends, and investor needs.
Tailored Loan Solutions for Investors
We don’t offer one-size-fits-all financing. Whether you’re flipping homes, scaling rentals, or developing land, our blanket loan options are customized to fit your investment strategy.
Fast, Streamlined Approvals
Time is money in real estate. Our efficient underwriting process helps you get approved quickly, so you can move on deals without delays.
Competitive Rates and Flexible Terms
We offer blanket mortgage solutions with competitive interest rates, interest-only options, and release clauses - designed to keep your cash flow strong.
Support for BRRRR and Portfolio Growth
Our team understands the BRRRR method and multi-property scaling. We help you leverage blanket loans to grow your portfolio faster and more efficiently.
Dedicated Investor Support Team
You’ll work directly with a loan specialist who understands real estate investing - not just paperwork. We guide you through every step, from application to closing.
Blanket Loans Up to $2M – Finance Multiple Properties with One Loan
Flexible, investor-focused financing for real estate portfolios in Charlotte, NC.
• Cover 2 or more investment properties under one mortgage
• Loan amounts from $100K to $2M for residential or mixed-use deals
• Release clause allows you to sell individual properties anytime
• Simplified payments and terms – no need to manage multiple loans
Frequently Asked Questions About Blanket Loans in Charlotte
A blanket loan is a single mortgage that covers two or more properties. It allows real estate investors in Charlotte to consolidate financing, manage fewer payments, and scale portfolios faster. A release clause often allows properties to be sold individually without refinancing.
Blanket loans are typically available to experienced investors, developers, and landlords with multiple properties or projects. Lenders look for strong credit, proof of income, and investment experience-especially in competitive markets like Charlotte.
Yes. Blanket loans are ideal for fix-and-flip investors handling multiple projects. You can fund several properties under one loan, then sell them off individually using the release clause while keeping the rest of your portfolio intact.
You can include single-family homes, duplexes, and small multifamily properties (2–6 units). Some lenders also allow mixed-use or light commercial properties-perfect for Charlotte’s growing investor market.
The main risk is cross-collateralization-defaulting on one property could affect the entire portfolio. It’s important to work with a lender who offers investor-friendly terms, release clauses, and clear exit strategies.
For many Charlotte investors, yes. A blanket loan simplifies financing, speeds up closings, and reduces paperwork. It also improves leverage and liquidity when used strategically across multiple income-producing properties.
