Small-Balance Multifamily Desk
5 to 8 Unit Multifamily DSCR Loans.
Skip the bank committees, 5-year commercial balloons, and personal tax returns. Lock in 30-year fixed DSCR purchase or cash-out refinance terms for 5 to 8 unit apartments based on property rent roll.
5-8 Units
Eligible Multifamily
Up to 75%-80%
Max LTV (Purchase / Refi)
30-Year
Fixed & ARM Options
Zero
Personal Tax Returns
Why Small Multifamily Investors Use DSCR Over Local Banks
- 30-Year Fixed Amortization: Eliminate 5-year commercial bank balloon risk and protect cash flow against rate resets.
- No Global DTI or Tax Returns: Underwrite the building rent roll directly without submitting personal 1040s or K-1s across your entire portfolio.
- Fast Bridge-to-Perm Exit: Refinance hard-money or renovation debt as soon as units are stabilized, pulling cash out up to 75% LTV.
What We Need to Quote
- 1. Property address and unit count (5, 6, 7, or 8 units)
- 2. Current rent roll or projected stabilized unit rents
- 3. Estimated property value or purchase price
- 4. Annual property taxes and hazard/windstorm insurance
- 5. Estimated borrower credit band (640 to 780+)
5-8 Unit DSCR Frequently Asked Questions
Why are 5-8 unit buildings harder to finance than 1-4 unit properties?+
Residential 1-4 unit lenders stop at fourplexes, while institutional commercial agencies typically require $1M+ or $2M+ loan minimums, full personal tax returns, and 5-year balloon notes. Our 5-8 unit DSCR program bridges that gap with 30-year fixed amortization and zero income verification.
How is rental income calculated on a 5-8 unit DSCR loan?+
We underwrite directly from your current rent roll, executed leases, and the commercial appraisal market rent schedule (or stabilized T-12 where applicable). Vacant units can often be underwritten to appraiser market rent up to program limits.
Can I do a cash-out refinance on a 5-8 unit building after a value-add rehab?+
Yes. That is one of our most active uses: refinancing out of a 12-month bridge or hard-money loan into 30-year fixed DSCR debt once units are renovated and leased, pulling out up to 75% of the new appraised value.
Can I close in an LLC or multi-member entity?+
Yes. Almost all 5-8 unit DSCR loans close in an LLC, LP, or corporate entity for asset protection and business-purpose compliance.