5–9 Unit Residential/Commercial Hybrid DSCR Loans and 10–100+ Unit Commercial Multifamily shelves bridge the gap between 1–4 unit investor loans and rigid Agency debt—qualifying apartment buildings strictly on Net Operating Income (NOI ÷ Annual Debt Service) with 30-year amortization and zero personal tax return requirements.
While 1–4 unit DSCR loans divide gross monthly rent by monthly PITIA, 5–9 unit and 10+ unit multifamily DSCR loans divide annual Net Operating Income (Gross Scheduled Rent + Ancillary Income − Vacancy − Operating Expenses) by annual principal and interest debt service, typically requiring a 1.15x to 1.20x minimum NOI DSCR.
No. Our wholesale 5–9 unit small-balance commercial DSCR shelves are business-purpose asset-based loans that require only the property rent roll, trailing 12-month operating statement (T-12), entity documents, and credit/liquidity verification.