5–10 Units UNDERWRITING SILO · NMLS #2827624

5–10 Unit Expanded Multifamily DSCR Loans

Bottom Line Up Front (BLUF): 5–10 Unit Expanded Multifamily DSCR Loans deliver institutional debt-fund and wholesale Non-QM financing for 5-to-10 unit garden apartments and townhome communities up to $5,000,000—eliminating global personal DTI overlays while offering 30-year fixed and hybrid ARM structures.

PURCHASE / R&T LTV

Up to 75% LTV

CASH-OUT REFI LTV

Up to 70% LTV

MINIMUM DSCR & FICO

1.15x – 1.20x · 640–660+ FICO

LOAN SIZE RANGE

$500,000 – $5,000,000

Appraisal, Income Formula & Prepayment Options for 5–10 Units

Required Valuation Report: Commercial MAI Appraisal + Verified Rent Roll + Trailing-12 (T-12) P&L

Underwriting Income Formula: Annual Net Operating Income (NOI) ÷ Annual Debt Service (>= 1.15x–1.20x)

Prepayment Step-Down Structures: 5-4-3-2-1 Step-Down, 3-2-1 Step-Down, or No Prepayment Penalty

Ideal Investor Strategy: Dedicated wholesale shelves engineered specifically for the 5–10 unit multifamily bracket ($500k to $5M loan amounts). Value-add bridge-to-permanent DSCR pairing: acquire and renovate at 80% LTC, then refinance into a 30-year fixed 5–10 unit DSCR loan. Allows out-of-state sponsors and multi-member LLC syndications (only 20%+ equity holders underwritten). No personal income tax returns, W-2s, or global debt-service ratio headaches.

Live Wholesale PPE & DSCR 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

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)10 Units

Price/Door: $160,000·Loan/Door: $120,000·Avg Rent/Door: $1,650/mo

Have different bedroom types or gap rents? Itemize your exact Form 1025 / Commercial Rent Roll Unit Mix:

Multifamily Acquisition / Appraised Value$1,600,000

Target LTV %75%

Base Note Rate %6.625%

Avg Rent / Door / Mo$1,650

RUBS / Other Income (/Mo)$250

Vacancy Floor (%) — Min 5%

T-12 OpEx Ratio (% of EGI)

Prepayment Stepdown Structure

Amortization & FICO Tier

Calculated DSCR Coverage Ratio

Canonical: 135 bps · 7500 bps LTV · 6625 bps Rate

1.35x

Tier-1 Institutional (1.25x+ — Max LTV & Best Pricing)

Loan Amount (75% LTV)$1,200,000120,000,000 _cents

Monthly P&I Debt Service$7,684/mo@ 6.625% Note Rate

Net Operating Income (NOI)$124,117/yr$10,343/mo after 35% OpEx

Net Monthly Cash Flow+$2,659/moCap Rate: 7.76%

Get 30-Sec Quote →Full 1003 / MISMO Apply →

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)	$7,684/mo	1.35x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$7,883/mo	1.31x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$7,000/mo	1.48x

Many DSCR lenders focus on the property's rent, not your tax returns. Not all applicants will qualify; terms vary by lender.

Compare All 6 Unit Brackets

1–4 Units (1–4 Units)5–8 Units (5–8 Units)5–9 Units (5–9 Units)5–10 Units (5–10 Units)5–25 Units (5–25 Units)5+ Units & Portfolios (5+ Units & Portfolios)

10 Wholesale Loan Programs & 51-Jurisdiction Coverage

DSCR Loans Hard Money Loans Private Money Loans Fix & Flip Loans Bridge Loans Ground-Up Construction Multifamily (5+ Units)Commercial Property Rehab & BRRRR Loans Cash-Out Refinance

Alabama 5–10 Units →Alaska 5–10 Units →Arizona 5–10 Units →Arkansas 5–10 Units →California 5–10 Units →Colorado 5–10 Units →Connecticut 5–10 Units →Delaware 5–10 Units →District of Columbia 5–10 Units →Florida 5–10 Units →Georgia 5–10 Units →Hawaii 5–10 Units →Idaho 5–10 Units →Illinois 5–10 Units →Indiana 5–10 Units →Iowa 5–10 Units →Kansas 5–10 Units →Kentucky 5–10 Units →View All 50 States + D.C. →