Investor Loan
Multifamily financing from duplex to forty units.
Conventional, DSCR, and small-balance commercial — we route your deal to the lender that prices it best for the unit count and condition.
2
Min units
40+
Max units
20%
Min down
Up to 30 yr
Term
Best fit for
- Investors buying 2–4 unit small multis with residential financing
- Operators acquiring 5–20 unit small-balance commercial
- Owners refinancing stabilized assets to recycle equity
Worth knowing
- 5+ unit deals underwrite the property's NOI and DSCR, not just the borrower
- Reserves and management experience matter as unit count rises
- Inspection and environmental reports add to the closing timeline
Questions we hear
- Where's the cutoff between residential and commercial?
- Two- to four-unit properties usually qualify under residential conventional or DSCR programs. Five units and up moves into small-balance commercial with different underwriting and timelines.
- How long does a 5+ unit loan take?
- Plan on 45–60 days for small-balance commercial. We pre-quote multiple lenders so you don't lose the deal waiting on one credit committee.
- Can I refinance to pull cash for the next deal?
- Yes — cash-out refinances are standard once you've stabilized rents and held the asset long enough to satisfy seasoning requirements.