Business-purpose rental property financing
Direct lender · NMLS #3252
Financing for income-producing properties
Multifamily DSCR Loans for Investors
Review eligible 2–4 unit and qualifying 5+ unit rental-property financing using unit count, rents, occupancy, expenses, value, requested loan amount, credit, entity, and investor strategy.
No hard pull to start. Non-owner-occupied investment property and business-purpose financing only.
A NonQM123 Deal Desk
Financing for income-producing properties
2–4 units
Residential DSCR review
5+ units
Multifamily routing
Rent roll
Income review
Entity options
Investor vesting
Program overview
Property-focused qualification for real estate investors
DSCR qualification generally centers on the rental property’s income and debt obligations rather than a traditional personal-income calculation. Final eligibility and terms depend on credit, leverage, property type, rent support, reserves, appraisal, title, state, and current program availability.
- 2–4 unit and qualifying 5+ unit review
- Purchase, refinance, and cash-out paths
- Rent-roll and property-expense review
- Entity, vesting, and guarantor questions
What the Quote Desk reviews
Start with the numbers that shape the deal
- Unit count and property type
- Current occupancy and rent roll
- Property value or purchase price
- Requested loan amount and transaction goal
- Taxes, insurance, utilities, and owner-paid expenses
- Borrower entity and ownership experience
Common program fit
How investors use this DSCR path
These are common review scenarios, not approvals or commitments. A specialist must confirm the property, borrower, state, and current program.
Small multifamily
Review 2–4 unit rental properties
Eligible non-owner-occupied duplex, triplex, and four-unit properties can be reviewed through the DSCR path.
Larger properties
Route qualifying 5+ unit scenarios
Larger multifamily properties may require different valuation, income, expense, and underwriting standards.
Income and expenses
Use leases, rent rolls, and operations
The review can incorporate rents, occupancy, taxes, insurance, utilities, and other relevant expenses.
How it works
A focused DSCR quote process
Start with your property details. We’ll guide you through the information needed to review your financing options.
1
Choose the transaction path
Confirm the loan goal, rental-property use, property type, and location.
2
Enter the deal numbers
Provide value or purchase price, loan request, rent, expenses, payoff, credit range, and relevant structure details.
3
Receive specialist follow-up
A DSCR specialist reviews the submitted scenario and follows up by phone or email with available direction.
Useful information
Documents and details that may help
You do not need every document to begin the quote. These items can help the specialist move from an initial scenario to a more complete review.
- Current rent roll and leases
- Operating statements when applicable
- Property tax and insurance records
- Utility and maintenance expenses when relevant
- Entity and guarantor documentation
Before you proceed
Important eligibility considerations
- Five or more units may use different program standards
- Vacancy and expense assumptions can affect qualification
- Mixed-use or commercial space requires separate review
- Property condition and deferred maintenance can affect financing
This website provides general information only. It is not a commitment to lend, approval, rate lock, or legal, tax, or investment advice.
Frequently asked questions
Multifamily DSCR Loans for Investors FAQs
What property sizes can be reviewed?
The Quote Desk supports 2–4 unit rental properties and a separate review path for eligible 5+ unit or multifamily scenarios.
How are multifamily rents documented?
Useful information may include leases, a rent roll, appraisal market rents, operating statements, occupancy, and other approved support.
What expenses matter?
Taxes, insurance, utilities paid by the owner, management, maintenance, vacancy, and other property expenses may be relevant.
Can DSCR finance 2–4 units?
Eligible 2–4 unit non-owner-occupied properties may be reviewed through the DSCR path.
Are 5+ unit loans the same as residential DSCR?
Larger multifamily properties may use different valuation, underwriting, documentation, and program standards.
Can multifamily close in an LLC?
Eligible entity vesting may be reviewed, subject to entity documents, guarantor, title, state, and program requirements.
Explore more DSCR options
Related rental-property loan programs
Separate 2–4 units from 5 or more units
A duplex, triplex, or fourplex is not interchangeable with a larger apartment property. The quote path accepts either for review, but the specialist must identify the financing category. Do not assume identical leverage, documentation, appraisal, guarantor, or term rules apply to both.
Build a usable property-income picture
Prepare the unit count, rent roll, occupancy, lease information, and known expenses. Explain vacant units, concessions, renovations, and utility responsibilities. Gross scheduled rent is different from rent actually collected, and operating information may be needed for the applicable income-property program.
One building and a portfolio are different requests
A portfolio may involve multiple parcels, loans, titles, and ownership entities. Identify whether you are financing a single property or several, and whether the request is one loan or multiple transactions. The specialist should explain the structure before you assume one standard DSCR quote covers the portfolio.
Match the financing to the property plan
Tell us whether the property is stabilized, being improved, or changing occupancy. A program intended for a rented property may not fit construction or substantial rehabilitation. Timing, property condition, income support, ownership, and requested proceeds should be considered together.
Ready to review this rental-property scenario?
Start your DSCR quote review or call the investor desk at 844-DSCR-123.
Business-purpose financing
Investment Property Financing Only
DSCR financing is intended for non-owner-occupied investment properties and business purposes. Loan proceeds may not be used for personal, family, or household purposes. All loans are subject to underwriting, property review, credit, state restrictions, and program availability. This is not a commitment to lend.