Have you looked into a blanket refi loan?

The OP has been told by a lender that they may not use gift funds to pay for investment property.Originally posted by @James Zettelmeyer:If a lender specifically has a guideline that states gift funds are not to be used for the purchase of an investment property and you season those funds to get around it, thats mortgage fraud.This is more the point I am trying to make.If the OP were to season funds for 60 days and then go to a different lender for underwriting (preferably one without any lender-specific stipulations about gift funds), I agree with you and I don't see any problems with this because of the points you mentioned.In the end I think my response to your original post was too much of a blanket statement since seasoning is a legitimate strategy, but it is important to see that there is potential to walk into a very bad decision if the OP is not careful about their actions.Recommendation is to keep talking with other banks with full disclosure regarding the gift funds and allow the lender themselves to say whether or not it is acceptable.

But, I still think you're making a blanket statement.

Anyone who can read everything in all the posts above and still make a blanket, uninformed statement like this does a huge disservice to the bigger pockets community.

I can't change insurance carriers because it affects my blanket liability policy.

Ravi Rai is correct it is a blanket loan and is a commercial loan product.

In this example a good cash reserve would have helped and good management to handle tenant turn over would have helped.Next on the list were my investors with well managed portfolios with blanket loans across many properties.

I didn't know that those loans were uncommon or even called blanket loans. 

The place to save money is in your decor like art work, throw blankets, pillows etc.

Definitely not a fan of blanket statements like these. $100 net on a large deal may not be enough to cover a large unexpected expense, or a prolonged vacancy.