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Can I Use a DSCR Loan for a Multi‑Unit Property?
Most DSCR lenders allow multi‑unit properties, including 2–4 units, as long as the combined rental income supports the payment.
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What multi‑unit properties are allowed
- 2–4 unit residential
- Mixed long‑term and short‑term rentals
- Non‑owner‑occupied only
- Portfolio‑eligible properties
How lenders calculate DSCR on multi‑units
- Total gross rents from all units
- Compared to the full PITIA payment
- Market rent allowed when leases are missing
- STR income allowed with documentation
When multi‑units face extra scrutiny
- Vacant units
- Heavy rehab needs
- Unstable rent history
- High‑risk neighborhoods
Compensating factors that help approval
- DSCR ≥ 1.00
- 20–25% down payment
- 3–12 months reserves
- Clean credit profile
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