DSCR 5 - 10 Units

The Loanhouse 5-10 Unit DSCR (Debt Service Coverage Ratio) product is an excellent financing solution for real estate investors looking to expand their portfolios with multifamily properties. Designed for 5-10 unit residential buildings, this loan program allows investors to qualify based on the property's income potential rather than personal income, making it an ideal option for those with complex financial situations. With competitive rates, flexible terms, and no personal income verification required, the Loanhouse DSCR loan streamlines the approval process while maximizing borrowing power. Investors can leverage this product to acquire, refinance, or cash out on income-generating properties, ensuring steady portfolio growth and increased cash flow opportunities.

Product Highlights

Property Type: 5-10 unit residential properties

Loan Purpose: Purchase, Rate & Term Refinance, Cash-Out Refinance

Loan Type: DSCR (Debt Service Coverage Ratio) – No personal income verification required

DSCR Requirement: Flexible qualification based on property cash flow

Loan Amounts: Loan amounts up to $3.5M

LTV (Loan-to-Value): Up to 75% for purchase and rate/term refinance; up to 70% for cash-out refinance

Credit Score: Minimum 640+ (lower credit scores may be considered with adjustments)

Interest Rates: Competitive rates based on DSCR and credit profile

Prepayment Penalty: Available options for investor-friendly terms

Occupancy: Investment properties only

Documentation: No tax returns or personal income verification required; qualification based on rental income

Closing Timeline: Efficient processing with quick closings