DSCR loans for 5–9 unit properties

Qualr Capital finances 5–9 unit residential investment properties on the property's cash flow — no tax returns and no personal DTI. Qualify at a 1.15× minimum DSCR with up to 75% LTV on purchases, loan amounts from $350K to $2.5M, and close in a domestic LLC. Built for experienced investors scaling into small multifamily.

Get a Live Term Sheet → Soft inquiry only — no hard credit pull.

Max leverage

Up to 75% LTV

Min DSCR

1.15×

Loan size

$350K – $2.5M

Property

5–9 unit residential

How 5–9 unit DSCR qualifying works

Like a 1–4 unit DSCR loan, qualification is based on the property covering its own payment — gross rents divided by PITIA, or ITIA for interest-only. The minimum DSCR is 1.15×. Leased units use the lower of market rent or the lease, and up to two units may be vacant (valued at 75% of market rent). Short-term rental income is not eligible on this program.

Built for experienced multifamily investors

This program is for borrowers with a 12-month history of owning investment property — first-time investors are not eligible. Loans close in a domestic LLC with a personal guarantor holding at least 25%. Underwriting requires a full appraisal plus a commercial BPO, and products include 5/6 ARM, 5/6 ARM-IO, 30-year fixed, and 30-year fixed interest-only.

Frequently asked questions

How many units can a DSCR loan cover?

This program finances 5–9 unit residential investment properties. For 1–4 units see our standard DSCR program; mixed-use and commercial properties are not eligible here.

What DSCR do I need for a 5–9 unit property?

The minimum is 1.15×, calculated as gross rents divided by PITIA (or ITIA for interest-only loans).

Can a first-time investor get a 5–9 unit DSCR loan?

No — this program requires a 12-month history of investment-property ownership. New investors should start with our 1–4 unit DSCR program.

How much can I borrow?

Loan amounts run from $350,000 to $2,500,000 — up to 75% LTV on purchase and rate/term and 70% on cash-out, with a $500K cash-out cap.

1–4 unit DSCR loans →Blanket & portfolio loans →