1–4 Units vs. 5+ Units: Why the Fifth Unit Changes How Lenders Underwrite Your Deal
The fifth unit flips your deal from residential-style DSCR underwriting to commercial multifamily math. What changes, what to expect, and how to get matched.
How Much Down Payment Do You Need for a DSCR Loan?
Quick answer: Plan on 20–25% down on a DSCR purchase (75–80% max LTV). A strong DSCR (1.25+), 700+ credit, and experience push you toward the lower end; a sub-1.0 DSCR or weaker credit means 25–35% down. Cash-out refinances cap a little lower than purchases. There is no zero-down DSCR loan. Get matched → 🔴 SEO […]
DSCR Loan vs Conventional Mortgage: Which Is Better for Rental Property Investors?
A DSCR loan qualifies on rental income; a conventional mortgage qualifies on your personal income. Compare 2026 rates, down payments, and qualification.
