DSCR loans for 5–9 unit buildings, qualified on the rent roll.
Small apartment buildings are underwritten on the building’s rent, not your tax returns: up to 75% of the purchase price, 75% on a rate-and-term refinance and 70% on a cash-out, with credit scores from 680.
5–9 unit DSCR terms, in plain words.
| Term | What we offer | What it means |
|---|---|---|
| Purchase | Up to 75% LTV | On a $1,200,000 building, a loan of up to $900,000. |
| Rate-and-term refinance | Up to 75% LTV | Lower the rate or change the structure without taking cash out. |
| Cash-out refinance | Up to 70% LTV | On a $1,400,000 value, a loan of up to $980,000 before the payoff and costs. |
| Credit score | From 680 | The minimum score for this program. |
| How you qualify | The building’s rent | The rent roll against the full monthly payment with taxes and insurance. No tax returns, no W-2s. |
| Property | 5–9 residential units | Non-owner-occupied residential buildings of 5–9 units. |
| Borrower | LLC-friendly | Most investors close in an LLC; a personal guaranty is standard on business-purpose loans. |
Priced to the scenario: credit, LTV, the rent roll, loan size and state.
From rent roll to closing.
Send the building
The address, the rent roll and the leases, and your goal: buy, refinance or take cash out.
Get your terms
Leverage and rate for the building and your credit.
Appraisal & rents
The appraisal confirms the value and the market rents.
Clear to close
Entity documents, ID and bank statements for reserves.
Close & hold
One team from the first call to the closing table.
DSCR loans for 5–9 units — questions
Can I use a DSCR loan for a 5–9 unit building?
Yes. Buildings of 5–9 units qualify on their rent, up to 75% of the purchase price, 75% on a rate-and-term refinance and 70% on a cash-out refinance.
What credit score do I need?
From 680.
Do I need tax returns?
No. The building’s rent roll qualifies the loan; bank statements show reserves.
Can I close in an LLC?
Yes. Most investors hold their buildings in an LLC.
What about buildings over 9 units, or a building I am building?
Construction and heavy renovation of 5–30 unit buildings is its own program: 5–30 unit construction loans.
Buying or refinancing 5–9 units? Send us the rent roll.
The address, the rents and your goal — we’ll send back the leverage and the rate.
*For business-purpose loans on non-owner-occupied investment property only. Not available for personal, family or household purposes. All loans subject to credit approval, underwriting and property eligibility. Rates, leverage and terms are indicative, change without notice, and not all borrowers will qualify; not a commitment to lend. YS Capital Group · NMLS ID 2609746 · Equal Housing Lender.