I think many investors will prioritize borrower performance over the property, but good collateral is still important as a backup.

That way they are taking the equity as a kind of secured 'line of credit' that isn't coming from a second position lien.Do you have any debt on those properties or are they in a position where you could use some equity as collateral? 

Instead, a few practical paths to consider: look at portfolio lenders or local banks/credit unions that will cross-collateralize or offer better pricing once you bring them multiple clean duplexes; selectively refinance older low-rate properties to recycle some equity while keeping DSCR conservative; or bring in limited capital partners for a few deals so you can keep 20% down and scale faster without blowing up returns.

I think you mean a loan that uses multiple properties as collateral, which is referred to as a "Blanket Loan".

Probably either a private lender who's comfortable with the property as collateral or maybe some kind of agricultural/farm-oriented credit union (not sure where this property is located). ya this has private lender written all over it.. 

It’s a form of scenario and sensitivity analysis used to gauge risks such as borrower default, market shifts, and collateral value changes.What Stress-Testing Typically Includes1.

What my recommendation is to cross collateralize with the other property.

The first filter is always the collateral.

I was fortunate each project had strong collateral which influenced the lenders decision making but in the future, I will be making sure there's additional contingency funds set aside.

I’ve reached out to over 20 lenders — everything from hard money to business credit lines — and most said “no” until my bankruptcy is discharged or four years past discharge.I’m not looking for personal loans or unsecured business cards — just realistic options for property acquisition or rehab loans where lenders focus on income, deal strength, or collateral value, not just credit history.If you’ve worked with any smaller or more flexible private lenders — even newer companies or individual investors — I’d really appreciate if you could share:Who they are (or at least what type of lender they are)What their approval terms were like (credit requirements, bankruptcy flexibility, etc.)What worked best when approaching them (structure, pitch, documentation, etc.)I know a lot of people in this community have rebuilt after tough seasons — any guidance or names would mean a lot.Thanks in advance for your insight and for helping someone who’s rebuilding the right way.** WARNING** You have to get special permission from the bankruptcy court to take on debt.