DSCR Loans for Duplexes to Fourplexes
Two- to four-unit properties are residential for lending purposes, and multiple rents can strengthen the ratio.
How it works
The rents from all units are combined and compared with one payment. A vacancy in one unit hurts less than it would on a single-family home.
What to expect
- Down payment and reserve requirements may be higher than for a single-family home
- Leases or a rent schedule for each unit help
Five units or more
Properties with five or more units fall under different rules. See 5 to 8 units.
Have a deal like this?Get the capital paths that fit, free.
Put it on the desk →Free deal review
See if your deal works.
No obligation. Tell us about the property and what you need. It takes about two minutes.
Put a Deal on Our Desk →