DSCR Loans for 5-10 Unit Investment
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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DSCR Loans for 5–10 Unit Investment Properties: Program Highlights & Investor Benefits
Our 5–10 Unit DSCR Loan is built for investors acquiring or refinancing small multifamily properties using rental cash flow — not personal income.
Unlike traditional multifamily loans that require full tax return underwriting and DTI calculations, this program qualifies based on the property’s Debt Service Coverage Ratio (DSCR).
If the building performs, it qualifies.
This is portfolio expansion financing.
Program Features
Loan Amounts: Up to $5,000,000+ (varies on loan to value)
DTI: Not calculated
Min Credit Score: Typically 680+ preferred for better terms
Property Types: 5–10 unit multifamily residential, stabilized rental properties, long-term rental assets
Minimum DSCR: 1.10–1.25 depending on leverage
Occupancy: Non-owner-occupied only
Max LTV: Up to 75% depending on experience and property
Reserves: Typically 6–12+ months required
Income Documentation: No personal income verification required
Experience: Prior landlord experience preferred
No tax returns.
No W-2s.
No personal DTI cap.
The asset carries the deal.
Program Highlights
Loan Amounts: Up to $5,000,000+ (varies on loan to value)
Minimum DSCR: 1.10–1.25 depending on leverage
Max LTV: Up to 75% depending on experience and property
Income Documentation: No personal income verification required
DTI: Not calculated
Property Types: 5–10 unit multifamily residential, stabilized rental properties, long-term rental assets
Occupancy: Non-owner occupied only
Reserves: Typically 6–12+ months required
Experience: Prior landlord experience preferred
No tax returns.
No W-2s.
No personal DTI cap.
The asset carries the deal.
How It Works
Apply Online
Get Approved
Fund
Apply Online
Get Approved
Fund
Equinox Makes Multifamily Financing Strategic
At Equinox, we understand that 5–10 unit properties are different from single-family rentals. We analyze:
- Rent roll stability
- Vacancy assumptions
- Operating expense ratios
- Property management structure
- Market comparables
- Long-term exit strategy
We structure the deal to protect:
- Cash flow
- Portfolio scalability
- Refinancing flexibility
Because multifamily investing is about stacking assets — not just closing one deal.
Why Choose a 5–10 Unit DSCR Loan?
If the property produces income, it should qualify independently.
Cash flow drives leverage.
We are the Alternative Mortgage Financing Experts.
Funded Home Loans
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Application to Closing Conversion
Funded Home 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)
Our Latest Funded Loans
Scottsdale, Arizona
6 Unit Multi-Family DSCR Loan
Cash-Out Refinance
$1,900,000 Loan Amount
Santa Ana, California
8 Unit Multi-Family DSCR Loan
Purchase w/ 20% Down Payment
$1,500,000 Loan Amount
Los Angeles, California
10 Unit Multi-Family DSCR Loan
Purchase w/ 25% Down Payment
$3,000,000 Loan Amount
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