For serious real estate investors, the journey often hits a bottleneck when moving past the traditional 1-4 unit property threshold. Conventional financing becomes complicated, requiring extensive personal income documentation, tax return analysis, and strict debt-to-income (DTI) ratio checks that can limit your borrowing capacity—and, ultimately, your wealth growth.
If you are ready to scale up your portfolio and transition into larger, more profitable multi-family assets, we have the specialized solution you need: our 5-9 Unit DSCR Loan Program.
When you step into the 5-9 unit space, you move from residential financing into commercial lending, which typically means more stringent underwriting. However, this is where the opportunity for greater cash flow and economies of scale truly begins. Our program bridges this gap, making the transition smoother and more profitable.
Our specialized loan is designed to directly finance 5 to 9 units in a single transaction, bypassing the limitations often encountered by investors trying to acquire larger buildings with traditional bank products.
The most powerful feature of this program is the Debt Service Coverage Ratio (DSCR) qualification model.
DSCR Only means we assess the viability of the loan based on the property’s ability to generate sufficient rental income to cover the mortgage payment—not your personal tax returns or W2s.
This specialized approach does more than just simplify underwriting; it accelerates your entire investment strategy:
Stop letting conventional financing hold back your potential. It’s time to leverage the income-producing power of real estate and let the rental revenue qualify the deal.
Ready to grow your wealth? Contact us today to discuss your next multi-family acquisition. Call us at 269-360-7109 or Apply Online !
Yesterday, a buyer called me in a total panic. They locked in their mortgage interest rate 30 days ago while shopping for a home near the Westwood neighborhood. Everything moved along fine until the seller asked to push closing back by ten days to finish clearing out their garage.
The buyer asked me, “Jeremy, if our rate lock expires before we close, will our interest rate jump up? Will our monthly payment go through the roof?”
I told them straight up: “Take a deep breath! An expiring rate lock will not ruin your deal, and you will not lose your low rate!”

Are you under contract on a home with an expiring rate lock? Need a rate lock extension?