Get Prequalified
Start with a soft-pull pre-approval and a rent-based analysis of the building.
Investor Focused
Commercial DSCR Loan Financing for Larger Multifamily Properties
Crestmark Lending offers commercial DSCR financing options for larger properties, including 2 to 8 unit multifamily buildings. Each program is driven by the building's cash flow, with flexible guidelines tailored to experienced investors and growing portfolios.
DSCR financing brings streamlined underwriting and competitive terms to both new acquisitions and refinances of existing buildings. Duplexes, triplexes and fourplexes are covered on our multifamily DSCR loan page, and every program we offer is on the DSCR loan programs page.
Multifamily Buildings Eligible for a DSCR Commercial Loan
A DSCR commercial loan qualifies the building on its rental income, not on your W-2s. It is designed for repeat and portfolio investors who want to keep personal tax returns off the table.
- 2 to 8 unit multifamily buildings
- Small apartment properties
- Turnkey or value-add multifamily
- Short-term or long-term rental multifamily assets
How Commercial Multifamily Financing Works
To qualify a larger multifamily building, lenders review primarily its projected rental income, not your personal tax returns, W-2s or DTI (debt-to-income ratio).
Lock In a DSCR Program
We align your building with the right DSCR lender and loan structure.
Appraisal and Underwriting
The appraisal includes a market rent survey, income multipliers and the DSCR calculation.
Close and Grow Your Portfolio
Close in your LLC or business entity, then roll into your next property with the same process.
DSCR Loan Specialists
Why Choose Crestmark Lending for Commercial Multifamily Financing
Crestmark Lending's DSCR specialists arrange a DSCR loan for commercial property, such as a larger apartment building, nationwide, with fast approvals, low rates and investor-focused terms. Our loan officers bring competitive pricing tailored to multifamily DSCR financing and cash-flow-based underwriting. Expect fast, predictable closings, minimal documentation with no W-2s, and concierge-style communication from dedicated DSCR specialists.
What does a commercial DSCR loan cover for multifamily buildings?
Crestmark Lending's commercial DSCR loan options serve larger properties, including 2 to 8 unit multifamily buildings and small apartment properties. Instead of using personal income, we qualify you based on the building's rental income, which makes it easier to scale your portfolio without traditional income documentation.
Does a commercial DSCR loan require tax returns or W-2s?
No. A commercial DSCR loan does not require personal income documentation such as W-2s, pay stubs or tax returns. Qualification rests primarily on the building's rental income and its ability to cover the proposed mortgage payment. A personal guarantee is typically required, while underwriting focuses on cash flow, credit profile and overall investment strength.
Can I purchase or refinance an apartment building with this financing?
Yes. Investors use commercial DSCR financing both to acquire new multifamily rental properties and to refinance existing buildings to lower their rate, pull cash out or restructure the loan for better long-term cash flow. Since qualification is based on the building's rental income, the process stays streamlined for purchases and refinances alike.
Who is commercial DSCR financing designed for?
Commercial DSCR financing is designed for repeat and portfolio investors, with flexible guidelines tailored to experienced investors and growing portfolios. It suits portfolio expansion and multifamily investments, whether you are adding your first larger building or expanding a large portfolio of rental properties.
Speak With a Commercial Multifamily Financing Specialist
Call about your next multifamily building, or request a DSCR rate quote online.