DSCR Loans for 5–10 Unit Investment
Starting As Low As 6.99%/ 7.375% APR
If you’re trying to buy a 5-10 unit building and keep hitting roadblocks, you’re not alone. Big banks ask for too much paperwork, high down payments, and strict income rules. At Equinox, we make it easier with loans based on your property’s cash flow – not your personal income.
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At Equinox Home Financing, we specialize in helping real estate investors grow their portfolios with commercial DSCR loans designed specifically for multi-unit residential properties.
- Low-doc, cash-flow-based approval
- No tax returns or employment verification
- Rental income verification made easy
- Quick closings for purchases or cash-out refinances
Our team focuses on multifamily investing strategies that work—whether you’re buying your next income-generating property or refinancing an existing asset. With our flexible programs, you can qualify based on property cash flow, not your personal income.
If you’ve been denied because of low rents, lack of documentation, or unfair loan terms, we’re here to help.
See if your multifamily property qualifies today. Let us simplify the path to ownership with custom commercial lending solutions that match your goals.
How It Works
Call or Apply Online
Get Approved
Fund
Equinox Makes Financing Easy for Multifamily Properties
At Equinox, we help real estate investors get loans for 5-10 unit buildings. You’ll work with a friendly advisor who helps match the loan to your goals – whether you want steady income or plan to fix and sell.
Why Work With Us:
- We focus on helping investors
- We’re flexible with loan requirements-No Income Docs required
- We offer many loan options with bank competitive rates and terms
- We close deals quickly with a 30 day average for closing times
- We support you before, during, and after the loan
Yes, We are the Rental Property Mortgage Experts.
Here at Equinox Home Financing, we’ve helped thousands of clients either buy a home or refinance their mortgage by using a DSCR Rental loan. Once we have reviewed your loan application, we will be highly certain that you do qualify. This is why our conversion ratio is so high. Don’t believe us? Call us today to find out.
Funded DSCR Rental Loans
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Application to Closing Conversion
Answers to Your Questions
Why Invest in 5–10 Unit Multifamily Properties?
5–10 unit multifamily properties offer a smart balance of cash flow, scalability, and manageable operations.
- Higher rental income than single-family or duplex properties
- Economies of scale without the complexity of large apartment buildings
- Access to multifamily financing options like commercial DSCR loans
Whether you’re moving up from smaller rentals or expanding your portfolio, these income-generating properties are a strategic next step in multifamily investing.
What Loan Programs Are Available for 5–10 Unit Properties?
We offer flexible multifamily financing options for both purchases and refinances, tailored to 5–10 unit income-generating properties.
- Purchase Loans: Buy your next multifamily property with competitive rates and fast approvals
- Refinance Loans: Tap into equity to lower your rate, access cash, or consolidate debt
Available loan types include:
- Commercial DSCR loans (based on property cash flow)
- 30-year fixed and 5-year adjustable-rate mortgages
Interest-only options for maximum cash flow flexibility
What Do I Need to Get Approved?
To qualify for multifamily financing on a 5–10 unit residential property, lenders review both property performance and basic borrower qualifications.
Property Requirements:
- 5–10 legal residential units, each 500+ sq. ft.
- Urban/suburban location with strong rental demand
- Loan amounts from $400K to $2M
- No more than 2 vacant units
- Property in good condition or with planned improvements
Borrower Requirements:
- Minimum 660 credit score
- 25–30% down payment
- DSCR ≥ 1.25 based on property cash flow (only PITI considered)
- Prior real estate investing experience helpful but not required
Documentation:
- Rent roll & operating statements
- Bank statements (for purchase loans)
*Advertisement rate and APR Disclosure: Interest rate and APR displayed is from 7/9/25 and is based on a 8 unit multi-family property, 1.25% DSCR, 50% LTV, Purchase Loan, 800 FICO score.