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.
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
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.