Apartment Building & Multifamily DSCR Loans
DSCR Financing for Apartment Buildings & Multifamily Investment Properties
Unlike traditional commercial financing, Multifamily DSCR Loans allow many investors to qualify based primarily on the property’s rental income and cash flow—not just their personal income.
Finance multifamily housing and apartments with 5+ units
Qualify using property cash flow—not personal income
Fast pre-approvals and streamlined underwriting
Call (804) 362-7600 to speak with an apartment financing specialist.
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Multifamily Building Financing Designed for Investors
Whether you’re purchasing your first apartment building or growing an established portfolio, securing the right financing is one of the most important parts of a successful investment strategy.
Apartment buildings offer investors the opportunity to generate consistent rental income, build long-term equity, and scale faster than purchasing multiple single-family rental properties. Our lending specialists work with experienced and first-time apartment investors to structure financing that aligns with their investment goals.
Because we have access to hundreds of lending partners nationwide, we can help you compare financing options for:
- Apartment building purchases
- Apartment complex acquisitions
- Multifamily investment properties
- Portfolio expansion
- Apartment building refinancing
With fast approvals, competitive loan options, and a consultative approach, we’ll help you move quickly when the right investment opportunity becomes available.
How Multifamily Building Loans Work
Multifamily buildings with five or more units are financed differently than smaller residential investment properties. While traditional mortgages often rely heavily on your personal income, tax returns, and debt-to-income ratio, Apartment Building Loans commonly utilize Debt Service Coverage Ratio (DSCR) underwriting—placing greater emphasis on the property’s ability to generate rental income.
Instead of focusing primarily on the borrower, lenders evaluate the strength of the investment itself, including:
- Debt Service Coverage Ratio (DSCR)
- Net Operating Income (NOI)
- Current rental income and occupancy
- Operating expenses
- Property value and long-term investment potential
For investors, this means:
- Easier qualification using property cash flow
- Reduced reliance on traditional income documentation
- Faster approvals and streamlined underwriting
- Greater flexibility when purchasing or refinancing apartment buildings
- More opportunities to grow and scale an investment portfolio
Whether you’re purchasing your first 5-unit apartment building or adding a 20-unit apartment complex to your portfolio, Apartment Building Loans provide a flexible financing solution designed specifically for income-producing real estate.
Apartment Building & Multifamily DSCR Loan Program Highlights
Eligible Properties:
• Apartment Complexes
• 5+ Unit Multifamily Properties
• 8+ Unit Apartment Buildings
• 10+ Unit Apartment Complexes
• Mixed-Use Investment Properties
Loan Amounts:
• $250,000 – $5,000,000+
Loan-to-Value (LTV):
• Up to 75% of the property purchase price
• Up to 70% of the Appraised Value for Cash Out Refinance
Debt Service Coverage Ratio (DSCR):
• Minimum DSCR 1.0
Terms:
• Interest-Only Options Available
• 30-Year Amortization Available
Fast Closing:
• Closings in as little as 15 days
Why Investors Choose Our
Multifamily DSCR Loans
Call (804) 362-7600 to speak with an expert.
Fast, simple prequalification to move quickly on deals
Clear, open communication throughout the loan process
Financing based on property cash flow, not personal income
Competitive financing for apartment buildings and investment properties
Flexible loan solutions designed to help investors grow their portfolios
Personalized guidance from application through closing
Get Started Today
Our mortgage specialists are standing by to answer your questions, compare loan options, and help you secure competitive financing for your next apartment building purchase or refinance.