5–8 Unit Crossover Multifamily DSCR Loans
Bottom Line Up Front (BLUF): 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.
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
1.36xCanonical:
136 bps · 7500 bps LTV · 6625 bps RateTier-1 Institutional (1.25x+ — Max LTV & Best Pricing)
Loan Amount (75% LTV)$720,00072,000,000 _cents
Monthly P&I Debt Service$4,610/mo@ 6.625% Note Rate
Net Operating Income (NOI)$75,211/yr$6,268/mo after 35% OpEx
Net Monthly Cash Flow+$1,657/moCap Rate: 7.83%
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) | $4,610/mo | 1.36x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $4,730/mo | 1.33x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $4,200/mo | 1.49x |
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.