Small-Balance Commercial Multifamily Loans, $300K–$1.2M
Financing for 5–8 unit multifamily and mixed-use properties — the size that falls between residential DSCR programs (capped at 4 units) and commercial lenders (who typically want $1M+ deals).
Loan Parameters
- Loan amounts: $300,000 – $1,200,000
- Property types: 5–8 unit multifamily, mixed-use
- Up to 75% LTV on purchase
- Minimum DSCR: 1.15x on combined rental income
- Credit score 680+ preferred
- Close in 30–45 days
- Business-purpose only
The Gap This Program Fills
Most residential loan programs (DSCR included) define "residential" as 1–4 units. The moment a property crosses into 5 units, it's classified as commercial real estate. Most commercial lenders aren't interested in loan amounts under $1 million. This program was built specifically for that gap.