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DSCR Loans for 5–10 Unit Properties
Helping Self-Employed Borrowers Access Financing Without Traditional Income Docs
Seasoned real estate investors can now access tailored financing designed for multi-unit acquisitions and refinances. This program is built for those with a proven track record, offering competitive LTVs, flexible terms, and streamlined qualification criteria to maximize your investment opportunities.
DSCR Loans for 5–10 Unit Properties
FAQs
Q: Who is this program best for?
A: Investors with experience managing multi-unit properties (5–10 units) who are looking to purchase, refinance, or cash-out without
restrictive traditional underwriting.
Q: What are the occupancy and investor requirements?
A: Maximum of 2 vacant units allowed; no first-time investors.
Q: What’s the housing history requirement?
A: 0x30x24 — no 30-day late payments in the last 24 months.
Q: What are the reserve requirements?
A: 9 months’ reserves for loans up to $2M, 12 months for loans over $2M.
Q: What’s the minimum DSCR to qualify?
A: 1.15 DSCR.
Q: Are commercial appraisals required?
A: Yes, a commercial appraisal is necessary for qualification.
Why This Program Works for Experienced Multi-Unit Investors
Traditional lending can be restrictive for experienced investors, especially when managing multiple doors. This program recognizes property performance and investor track record rather than overemphasizing personal income. With competitive LTVs, commercial appraisal standards, and DSCR-based qualification, it empowers you to grow your portfolio without unnecessary barriers. Investors can move quickly, leverage larger loan amounts, and take advantage of market opportunities with confidence.
A Smarter Way to Expand Your Portfolio Without Limits
Whether you’re acquiring your next apartment complex or unlocking equity in an existing property, this program streamlines the path to funding. By focusing on cash flow, minimizing documentation burdens, and allowing for tailored reserve requirements, it keeps deals moving. It’s a strategic solution for scaling your holdings while keeping your capital free for renovations, acquisitions, and new investments.