APPLY NOW

DSCR LOAN

Key Program Features

Property Type
  • 5–9 Unit Multifamily Investment
Min Credit Score
680

Loan Amount
$350,000 to $2 Million (larger exceptions possible)

Max LTV
75%

Reserves
6 Months PITI

Seller Concessions
Up to 3%

DSCR Loans for 5–9 Unit Multifamily Properties – Long-Term Financing for Investors

If you’re investing in a 5–9 unit multifamily property in Chicago or nationwide, our specialized DSCR loan program is designed to help. With streamlined approval based on property income and a 30-year amortization term, this loan is ideal for long-term investors.

Top Benefits of Our 5–9 Unit DSCR Loan

30-Year Fixed Term

No balloon payments. Just long-term stability and low monthly costs.

No Personal Income Docs

We qualify based on the property’s cash flow—not your personal tax returns.

Nationwide Availability

No matter your market, this DSCR loan is available to qualified investors across the U.S.

Seller Concessions

Up to 3% allowed to help reduce your closing costs.

Who This Loan Helps

  • ✔️ Investors with 12+ months of experience owning rental property
  • ✔️ Buyers of 5–9 unit multifamily properties
  • ✔️ Clients seeking long-term predictable monthly payments
  • ✔️ Borrowers who want to qualify based on property income, not W-2s

Apply for a 5–9 Unit DSCR Loan

Find out if you qualify and get matched with a loan advisor who understands your investment goals. Quick pre-approval, no personal income docs required.

Start Your Application

Frequently Asked Questions

What is a DSCR loan?
A DSCR (Debt Service Coverage Ratio) loan is a mortgage that qualifies you based on the property’s income rather than your personal income. It’s ideal for investors with strong rental income but complex or minimal personal income documentation.

Is there a balloon payment?
No. This loan is fully amortized over 30 years with no balloon, so you can keep it as long as needed.

What kind of properties are allowed?
Only 5–9 unit multifamily investment properties are eligible for this program.

What are the credit and experience requirements?
You’ll need a minimum 680 credit score and at least 12 months of experience owning rental properties.