5–8 Units UNDERWRITING SILO · NMLS #2827624

5–8 Unit Crossover Multifamily DSCR Loans

Bottom Line Up Front (BLUF): 5–8 Unit Crossover Multifamily DSCR Loans bridge the gap between residential 1–4 unit loans and traditional commercial bank debt, giving apartment investors 30-year fixed amortization without 5-year commercial balloons, up to 75% LTV, and no personal tax-return underwriting.

PURCHASE / R&T LTV

Up to 75% LTV

CASH-OUT REFI LTV

Up to 70%–75% LTV

MINIMUM DSCR & FICO

1.00x – 1.15x · 640–660+ FICO

LOAN SIZE RANGE

$400,000 – $4,000,000

Appraisal, Income Formula & Prepayment Options for 5–8 Units

Required Valuation Report: Small-Balance Multifamily / Residential-Crossover Appraisal + Rent Roll & T-12

Underwriting Income Formula: Net Operating Income (NOI) or Gross Rental Income ÷ Debt Service (Program Dependent)

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

Ideal Investor Strategy: True 30-Year Fixed rates with no 5-year or 7-year commercial bank maturity balloon or annual financial covenant calls. Up to 75% LTV on 5, 6, 7, and 8-unit apartment buildings across all 50 U.S. states and Washington, D.C. Underwritten on property rent roll and T-12 operating performance—zero CPA tax returns or global K-1 spreading required. Ideal for value-add BRRRR takeouts where newly stabilized 5–8 unit rents support maximum cash-out recapitalization.

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 · Canonical Integer _cents & _bps Engine

1. Select Property Unit Tier Bracket

2. Exact Number of Units / Doors (MISMO FinancedUnitsCount)6 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$960,000

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: 136 bps · 7500 bps LTV · 6625 bps Rate

1.36x

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

Loan Amount (75% LTV)$720,00072,000,000 _cents

Monthly P&I Debt Service$4,610/mo@ 6.625% Note Rate

Net Operating Income (NOI)$75,211/yr$6,268/mo after 35% OpEx

Net Monthly Cash Flow+$1,657/moCap Rate: 7.83%

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)	$4,610/mo	1.36x
Option B: Balanced Par (36-Mo Stepdown)	3-2-1	6.875%	-75 bps (-0.750 pt)	$4,730/mo	1.33x
Option C: Max Cash Flow (10-Yr Interest-Only)	3-2-1 IO	7.000%	+38 bps IO LLPA	$4,200/mo	1.49x

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 5–8 Units →Alaska 5–8 Units →Arizona 5–8 Units →Arkansas 5–8 Units →California 5–8 Units →Colorado 5–8 Units →Connecticut 5–8 Units →Delaware 5–8 Units →District of Columbia 5–8 Units →Florida 5–8 Units →Georgia 5–8 Units →Hawaii 5–8 Units →Idaho 5–8 Units →Illinois 5–8 Units →Indiana 5–8 Units →Iowa 5–8 Units →Kansas 5–8 Units →Kentucky 5–8 Units →View All 50 States + D.C. →