Finance 5–8 Unit Properties With DSCR Qualification

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More units. More rental income. More opportunity for your investor clients.

 

When your borrower is looking to finance a 5–8 unit residential property, or a qualifying mixed-use property, our Multi-Family Investor Loan Program provides a straightforward way to qualify based on the property's cash flow rather than relying on the borrower's personal tax returns.

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Designed specifically for experienced real estate investors, this program gives mortgage brokers another solution for multifamily deals that may not fit conventional financing.

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KEY PROGRAM HIGHLIGHTS

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• Up to 75% LTV

• Loan amounts up to $2,000,000

• DSCR  > 1.0

• Minimum 700 FICO

• Cash-out up to $1,000,000

• Interest-only options available

• ITIA may be used for qualification on Interest-Only loans

• Residential properties from 5–8 units

• Mixed-use properties from 2–8 units

• Up to 49% commercial use generally permitted on mixed-use properties

• U.S. citizens and non-permanent resident aliens eligible

• No short-term rentals

• Experienced investors only

• Not available in New York or Illinois

 

Program restrictions and eligibility requirements apply. See current program matrix for complete guidelines.

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A BETTER WAY TO FINANCE SMALL MULTIFAMILY

 

Don't Let the Property Size Limit Your Investor's Options

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A 5–8 unit property can be an attractive addition to an investor's portfolio, but financing can become more complicated once a property moves beyond four units. That's where our Multi-Family Investor Loan Program can help.

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Instead of forcing your borrower into a conventional financing box, this program is designed around the income-producing nature of the property, using DSCR qualification to evaluate the property's ability to support the proposed debt.

That can give you a financing solution for investors purchasing or refinancing larger multifamily properties while keeping the focus on the asset's cash flow.

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BUILT FOR INVESTORS

 

Help Your Clients Acquire More Income-Producing Real Estate

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Your investor clients aren't just buying a property, they're building a portfolio.

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Our 5–8 unit program can help brokers offer financing that is aligned with the way experienced investors evaluate real estate: property cash flow, leverage and long-term portfolio growth.

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With financing available up to $2 million and LTVs up to 75%, your borrowers can pursue larger multifamily opportunities without automatically being pushed into a traditional income-documentation model.

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PURCHASE

Give investors another financing option when they're ready to acquire a 5–8 unit property and add more doors to their portfolio.

 

REFINANCE

Help investors refinance existing multifamily properties and potentially improve their financing structure or access available equity.

 

CASH-OUT

With cash-out options up to $1 million, investors may be able to unlock equity for future investment opportunities, subject to program guidelines.

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MIXED-USE PROPERTIES ARE AN OPTION

 

Expand Your Borrowing Opportunities Beyond Traditional Multifamily

 

The program isn't limited to strictly residential multifamily properties. Qualifying mixed-use properties with 2–8 units may also be eligible, with generally no more than 49% commercial use.

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That means you can bring us opportunities that combine residential rental units with qualifying commercial space, giving your borrowers another potential solution when traditional financing may not be the best fit.

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INTEREST-ONLY OPTIONS

 

Give Investors More Flexibility With Cash Flow

 

For qualifying Interest-Only transactions, ITIA may be used for qualification. This can provide additional flexibility for investors who are focused on maximizing property cash flow and managing their investment strategy.

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A SOLUTION FOR THE DEALS YOUR BORROWERS WANT TO BUY

 

Whether your borrower is acquiring a larger multifamily property, refinancing an existing investment or looking to access equity for the next acquisition, our Multi-Family Investor Loan Program gives you another option to put in your toolbox.

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5–8 units. Up to $2 million. Up to 75% LTV. DSCR qualification.

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Bring us the scenario. We'll help you determine whether it fits.