District of Columbia DSCR, Hard Money, Fix & Flip, Construction & Multifamily Loans
District of Columbia (DC) Underwriting Snapshot (BLUF): Wholesale business-purpose investment property loans in District of Columbia utilize Non-Judicial / Mediation Hybrid (Deed of Trust) security instruments, with an average non-homestead effective property tax rate of 0.85%, a median 1–4 unit investment home price of $625,000 (median rent $4,350/mo), and 5+ unit multifamily market rents averaging $2,450/door. Arranged by Loan Daddy LLC (NMLS #2827624).
SECURITY INSTRUMENT
Non-Judicial / Mediation Hybrid (Deed of Trust)EFFECTIVE PROPERTY TAX
0.85% Avg ($443/mo)MEDIAN 1–4 UNIT PRICE & RENT
$625,000 · $4,350/mo5+ UNIT MULTIFAMILY RENT
$2,450/door/moDistrict of Columbia Pre-Populated 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: $625,000·Loan/Door: $468,750·Avg Rent/Door: $4,350/mo
Prepayment Stepdown Structure
Amortization & FICO Tier
Calculated DSCR Coverage Ratio
1.19xCanonical:
119 bps · 7500 bps LTV · 6625 bps RateStandard Multifamily / DSCR Pass (1.15x–1.24x)
Loan Amount (75% LTV)$468,75046,875,000 _cents
Monthly P&I Debt Service$3,001/mo@ 6.625% Note Rate
Total Monthly PITIA$3,663/moTax: $443 · Ins: $219
Net Monthly Cash Flow+$687/mo$8,245/yr net
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) | $3,663/mo | 1.19x |
| Option B: Balanced Par (36-Mo Stepdown) | 3-2-1 | 6.875% | -75 bps (-0.750 pt) | $3,741/mo | 1.16x |
| Option C: Max Cash Flow (10-Yr Interest-Only) | 3-2-1 IO | 7.000% | +38 bps IO LLPA | $3,396/mo | 1.28x |
Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.
District of Columbia Cities with Population ≥ 50,000 (1 Market)
Click any District of Columbia city below to open its localized DSCR & Commercial Multifamily underwriting desk with county property tax rates, median rent benchmarks, and a pre-populated city deal calculator:
| City (DC) | County | 2026 Est. Pop | Effective Tax Rate | Median 1–4 Unit Price | Median Monthly Rent | 5+ Unit Rent/Door |
|---|---|---|---|---|---|---|
| Washington, DC → | DISTRICT OF COLUMBIA County County | 704,629 | 0.83% | $685,000 | $4,850/mo | $2,725/door |