Multi-Family & Commercial Loans
5+ unit apartment buildings, mixed-use assets, and commercial real estate — nationwide, DSCR-based qualification, no personal income required.
Available in all 50 states
Small Multifamily (5–20 units)
Apartment buildings and small residential communities. DSCR-based.
- 5–20 residential units
- DSCR ≥ 1.0–1.25 typical
- Up to 75% LTV
- No personal income verification
- 25–30 year amortization options
Large Multifamily (20+ units)
Mid-size apartment complexes and larger residential portfolios.
- 20+ units
- Agency or non-agency financing
- Fannie Mae / Freddie Mac options
- Bridge-to-perm structure available
- Interest-only period options
Mixed-Use Commercial
Properties with both residential and commercial components.
- Retail + residential above
- Up to 70–75% LTV
- Income from all units considered
- DSCR or commercial appraisal-based
- Nationwide lending
Portfolio Loan (Multiple Properties)
Finance 2–10+ properties under a single blanket loan for portfolio investors.
- 2–10+ properties in one loan
- Mixed property types allowed
- Streamlined underwriting
- No individual property count limits
- Cross-collateralization available
Requirements
- FICO 640+ typical
- DSCR ≥ 1.0 (property income covers debt service)
- Real estate investment experience preferred
- Environmental and structural inspection
- 6–12 months reserves
