Investor Solutions — Multi-Unit DSCR

Multi-Unit DSCR Loans5–8 Residential Units & 2–8 Mixed Use

Total Quality Lending finances experienced investors on single 5–8 unit residential and 2–8 unit mixed-use properties. Qualify on the building’s rental cash flow — up to 75% LTV, credit scores from 700, and loan amounts from $400K to $2M.

Get my Multi-Unit DSCR quote(800) 304-1925
Max LTV
75%
Min FICO
700
Loan amounts
$400K–$2M
Min DSCR
1.00

Why investors choose Multi-Unit DSCR

Built for experienced real estate investors stepping up to 5–8 unit residential or 2–8 unit mixed-use deals. One product, two property classes, qualified on the property’s rents.

  • Qualify on the property’s rental cash flow — no W-2s, no personal tax returns
  • Up to 75% LTV on purchase, 70% on rate/term, 65% on cash-out (≤ $1.5M)
  • Loan amounts from $400,000 to $2,000,000
  • DSCR ≥ 1.00 required (no sub-1.00 tier)
  • Min FICO 700; 720 in CT, FL, and NJ
  • Residential 5–8 units AND mixed-use 2–8 units in one product
  • Interest-only eligible (qualify on the ITIA payment)
  • Experienced investors only — no first-time homebuyer or first-time investor

Program at a glance

Loan amounts
$400K – $2M
Max LTV (purchase)
75%
Min credit score
700
Min DSCR
1.00
Max cash-in-hand
$1M
Max term
30 years
Occupancy
Investment only
Loan purposes
Purchase, Rate/term refinance, Cash-out refinance

Available terms

  • 15- and 30-year fixed
  • 5/6, 7/6 & 10/6 ARMs (30-year term)
  • Interest-only options eligible (qualify on ITIA)

LTV grid

Loan tier (700+ FICO)PurchaseR/T RefiCash-Out
Loan amount ≤ $1,500,000 (700+ FICO)75%70%65%
Loan amount ≤ $2,000,000 (700+ FICO)70%65%65%

Reserve requirements

  • Loan amount ≤ $1,500,000: 6-month PITIA
  • Loan amount > $1,500,000: 9-month PITIA
  • Loan amount > $2,500,000: 12-month PITIA
  • Cash-out proceeds may not be used to satisfy the reserve requirement.

Eligible properties

  • Residential 5–8 unit buildings
  • Mixed-use 2–8 unit buildings (retail / office / restaurant)
  • Up to 2 acres, non-rural

Mixed-use commercial-unit caps

  • 2–3 units: max 1 commercial unit
  • 4–5 units: max 2 commercial units
  • 6–8 units: max 3 commercial units
  • Commercial space cannot exceed 49.99% of total building area, and commercial income cannot exceed 49.99% of total property income.
  • Commercial use limited to retail, office, or restaurant. Vacant commercial space is not allowed.

Borrower eligibility

  • U.S. Citizen
  • Permanent Resident Alien
  • Non-Permanent Resident Alien

Important borrower rules

  • Foreign Nationals are NOT eligible under this product
  • First-Time Investors are NOT eligible
  • First-Time Homebuyers are NOT eligible
  • Borrowers from OFAC-sanctioned countries are ineligible
  • Experienced investor required — borrower/guarantor must have owned and managed commercial or non-owner-occupied residential real estate for at least 1 year in the last 3 years.

Available in 41 states

Multi-Unit DSCR is offered in 41 of our serviced states. Connecticut, Florida, and New Jersey have a state overlay (lower LTV and higher minimum FICO).

Ineligible: Illinois, New York, Puerto Rico, Guam, and the US Virgin Islands.

Related loan programs

Multi-Unit DSCR is one of several investor and non-QM programs at Total Quality Lending. If your scenario doesn’t fit 5+ units, explore the other hubs.

Ready to finance a 5–8 unit or mixed-use deal?

Get a fast Multi-Unit DSCR quote and talk to a real human who invests in real estate too.

Start my Multi-Unit DSCR quote(800) 304-1925