Multi-family financing for 5–8 unit properties.
Multi-family property loans for business-purpose borrowers with flexible terms. Designed specifically for investors looking to acquire or refinance 5–8 unit apartment buildings, condominiums, and multi-family properties using DSCR qualification — the property's rental income determines eligibility, not your personal income.
Five reasons investors scale with us.
Credit Scores from 720
Minimum 720 FICO score required. Higher scores may qualify for better rates.
Up to $3 Million
Maximum loan amount of $3,000,000 for 5–8 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.
Business-Purpose Only
Designed for investors acquiring or refinancing 5–8 unit multi-family for investment.
Multi-Family DSCR 5-8 unit details.
Multi-Family DSCR 5-8 Unit
Qualify based on property cash flow. No personal income verification required.
Loan Specifications
- Property Types 5-8 unit multi-family
- Loan Amounts Up to $3,000,000
- Maximum LTV 75%
- Minimum Credit Score 720
- DSCR Requirement Based on NOI
- 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
- Flexible terms for new and experienced investors
At-a-glance numbers.
Why multi-family DSCR works.
No Personal Income Verification
Qualify based on the property's rental income and cash flow — no W-2s, tax returns, or personal income docs required.
LLC and 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 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 5–8 unit multi-family properties.
Higher Loan Amounts
Access up to $3,000,000 in financing for your multi-family investment portfolio.
Competitive Terms
Flexible terms designed for experienced and new multi-family investors alike.
Frequently asked questions.
A Multi-Family DSCR loan is a financing option for investors purchasing or refinancing 5–8 unit properties. Qualification is based on the property's Debt Service Coverage Ratio — the relationship between rental income and the mortgage payment — rather than personal income.
This program requires a minimum credit score of 720. Higher credit scores may qualify for better rates and terms.
The maximum loan amount is $3,000,000 for 5–8 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.
Ready to finance your multi-family investment!
Up to $3M, 75% LTV, business-purpose vesting. No personal income docs.