5–10 Unit Expanded Multifamily DSCR Loans
Bottom Line Up Front (BLUF): 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.
Live Wholesale PPE & DSCR Underwriting Terminal
1–4 Unit PITIA vs. 5–25+ Unit Commercial NOI Simulator
Loan Daddy LLC · NMLS #2827624 · AZ CMB #CMB-2016143 · CA CFL #60DBO-218873 · Canonical Integer _cents & _bps Engine
Price/Door: $160,000·Loan/Door: $120,000·Avg Rent/Door: $1,650/mo
Have different bedroom types or gap rents? Itemize your exact Form 1025 / Commercial Rent Roll Unit Mix:
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.35xCanonical:
135 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$1,200,000120,000,000 _cents
Monthly P&I Debt Service$7,684/mo@ 6.625% Note Rate
Net Operating Income (NOI)$124,117/yr$10,343/mo after 35% OpEx
Net Monthly Cash Flow+$2,659/moCap Rate: 7.76%
Wholesale PPE Multi-Option Execution Comparison (Borrower-Paid 2.000% Default · 39 Wholesale Lenders)
| Execution Option | Prepay Structure | Est. Note Rate | Prepay Price Credit | Monthly Debt Service | DSCR Ratio |
|---|---|---|---|---|---|
| Option A: Lowest Rate (60-Mo Stepdown) | 5-4-3-2-1 | 6.625% | -100 bps (-1.000 pt) | $7,684/mo | 1.35x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $7,883/mo | 1.31x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $7,000/mo | 1.48x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender. Loans made or arranged pursuant to a California Financing Law license, #60DBO-218873.