DSCR 5-9 Unit
Multi-Family Property Loans
Multi-family property loans for business-purpose borrowers with flexible terms. Designed for investors looking to finance 5-9 unit apartment buildings, condos, or multi-family properties using the property's cash flow to qualify.
Flexible Financing for 5-9 Unit Properties
Multi-family property loans for business-purpose borrowers with flexible terms. Designed specifically for investors looking to acquire or refinance 5-9 unit apartment buildings, condominiums, and multi-family properties using Debt Service Coverage Ratio (DSCR) qualification — meaning the property's rental income determines your loan eligibility, not your personal income.
Program Highlights
Credit Scores from 680
Minimum 680 FICO score required for qualification. Higher scores may qualify for better rates.
Up to $2 Million
Maximum loan amount of $2,000,000 for 5-9 unit multi-family properties.
LTV up to 75%
Loan-to-value ratio up to 75% based on property appraisal and rental income.
Vest in LLC or Corporation
Borrow in the name of your business entity for liability protection and tax advantages.
Interest-Only Options
Interest-only payment options available to maximize monthly cash flow.
Multi-Family DSCR 5-9 Unit Loan Specifications
Multi-Family DSCR 5-9 Unit
Qualify based on property cash flow — no personal income verification required.
Loan Specifications
- Property Types: 5-9 unit multi-family properties
- Loan Amounts: Up to $2,000,000
- Maximum LTV: 75%
- Minimum Credit Score: 680
- DSCR Requirement: Based on property's net operating income
- Interest-Only Options: Available
Vesting & Qualification
- Vesting: LLC, Corporation, or Individual
- No Personal Income Verification
- Qualify Based on Property Cash Flow
- Business-Purpose Loans Only
- Ideal for Real Estate Investors
Multi-Family DSCR Quick Reference
Benefits of Multi-Family DSCR Loans
No Personal Income Verification
Qualify based on the property's rental income and cash flow — no W-2s, tax returns, or personal income documentation required.
LLC & Corporate Vesting
Borrow directly in the name of your business entity. Perfect for investors who want liability protection and tax advantages.
Interest-Only Flexibility
Maximize your monthly cash flow with interest-only payment options — ideal for investors managing multiple properties.
Business-Purpose Loans
Specifically designed for real estate investors acquiring or refinancing 5-9 unit multi-family properties for investment purposes.
Higher Loan Amounts
Access up to $2,000,000 in financing for your multi-family investment portfolio.
Competitive Terms
Flexible terms designed for experienced and new multi-family investors alike.
Frequently Asked Questions About Multi-Family DSCR Loans
A Multi-Family DSCR loan is a financing option for investors purchasing or refinancing 5-9 unit properties. Qualification is based on the property's Debt Service Coverage Ratio (DSCR) — the relationship between rental income and the mortgage payment — rather than personal income.
This program requires a minimum credit score of 680. Higher credit scores may qualify for better rates and terms.
The maximum loan amount is $2,000,000 for 5-9 unit multi-family properties.
Loan-to-value (LTV) is available up to 75% based on property appraisal and rental income.
Yes, you can vest the loan in an LLC, corporation, or as an individual. Business-purpose vesting is encouraged for liability protection.
Yes, interest-only payment options are available to help maximize cash flow and improve DSCR ratios.
No. Multi-family DSCR loans qualify based on the property's cash flow, not personal income. No W-2s, tax returns, or pay stubs required.