Investment Property Financing by Unit Count (1–4, 5–8, 5–9, 5–10, 5–25 & 5+ Doors)
Bottom Line Up Front (BLUF): Residential DSCR underwriting stops at 4 units (using gross rent divided by PITIA on Form 1004/1007 or Form 1025), while properties with 5–8, 5–9, 5–10, 5–25, and 5+ units transition into small-balance crossover DSCR and commercial Net Operating Income (NOI ÷ Annual Debt Service) underwriting. Select your exact unit bracket below to review LTV caps, minimum DSCR ratios, appraisal requirements, and prepayment options arranged by Loan Daddy LLC (NMLS #2827624).
1–4 Unit Residential DSCR Loans through Loan Daddy LLC (NMLS #2827624) allow real estate investors to acquire or cash-out refinance single-family rentals, townhomes, warrantable/non-warrantable condos, duplexes, triplexes, and fourplexes up to 80% LTV using property-level Form 1007 or verified short-term rental income—with zero personal W-2s, tax returns, or debt-to-income (DTI) caps.
5–8 Unit Crossover Multifamily DSCR Loans bridge the gap between residential 1–4 unit loans and traditional commercial bank debt, giving apartment investors 30-year fixed amortization without 5-year commercial balloons, up to 75% LTV, and no personal tax-return underwriting.
5–10 Unit Expanded Multifamily DSCR Loans deliver institutional debt-fund and wholesale Non-QM financing for 5-to-10 unit garden apartments and townhome communities up to $5,000,000—eliminating global personal DTI overlays while offering 30-year fixed and hybrid ARM structures.
5+ Unit Commercial Multifamily & Blanket Portfolio Loans empower scalable operators to finance 5 to 100+ unit apartment complexes or cross-collateralize 5 to 50+ scattered-site rentals under a single master note with partial-release clauses (typically 115%–120% allocated loan payoff).