Multifamily FAQs

Yes. We provide loans for 2–9 unit multifamily properties, whether you're purchasing, refinancing, or doing a cash-out refi. This allows you to grow your portfolio without jumping into full commercial financing.

*We do have options for large multifamily as well (10+ units).

Not with us. We offer DSCR-based loans, which qualify based on the property’s income — not your W2s, tax returns, or job history. As long as the rents cover the debt, you’re good.

We look at:

• Rental income from all units

• Monthly loan payment (PITI + any HOA)

• The DSCR ratio (Debt Service Coverage Ratio) — typically 1.0 or higher

• Your down payment and reserve funds
  We’ll also assess the property condition and market — but the focus is on the numbers.

Yes. We help investors:

• Refinance to lower rates

• Cash out equity tax-free

• Reposition assets to acquire more properties
  If you’ve added value or the property has appreciated, a cash-out refinance could be your next move.

You’ll typically need 20%–25% down, depending on the property, loan amount, and DSCR. We’ll walk through the numbers with you upfront so you know exactly what’s needed to close.

We keep the process simple, but here's what you'll need depending on the type of loan:

For a Purchase:

• Fully executed purchase contract

• Rent roll or lease agreements (if occupied)

• Proof of funds for down payment, closing costs, and reserves

• LLC or entity documents (if purchasing under a business name)

• Valid ID

• Completed loan application (we’ll send it to you)

• Insurance quote for the new property

For a Refinance or Cash-Out Refi:

• Current mortgage statement(s)

• Rent roll or leases for all units

• Operating agreement & entity docs (if titled in an LLC)

• Valid ID

• Bank statements to show reserves

• Insurance declarations page

• Payoff statement from your current lender (for refinance)

We don’t require W2s, tax returns, or proof of personal income. We evaluate the property, not your job — and we’ll walk you through each step to make it fast and easy.

We can close in as little as 10–15 days, depending on how fast we receive your documents & when the appraisal comes back. Our process is streamlined and relationship-driven — the faster you move, the faster we fund.