What is it?
DirectLenderMatch classifies 5-8 Unit / Small Multifamily DSCR Loan under the financing form “Investment-property mortgage.” Its typical use in this directory is: Finance small multifamily beyond 1-4 units.
How does it work?
The structure is generally evaluated, supported, or secured using the following basis: Property cash flow. Exact underwriting, eligibility, terms, and availability are provider-specific and can change.
What can it be used for?
Finance small multifamily beyond 1-4 units.
What backs or supports it?
Property cash flow.
Why does this structure exist?
This structure provides a defined way to address the financing need described above. The provider, transaction, collateral, and underwriting context determine how the structure is implemented in practice.
Important considerations
Confirm current costs, risks, licensing, eligibility, collateral treatment, recourse, tax consequences, and availability directly with the provider and appropriate professional advisers. DirectLenderMatch does not compare rates or recommend products.
Is this actually a loan?
Workbook classification: Yes. Financing forms such as leases, purchases, shared equity, advances, and guarantees may solve a funding need without being conventional loans.
Verified lenders or providers
Direct mortgage lender
Total Quality Lending
Total Quality Lending currently offers DSCR financing for 5-8 unit residential/mixed-use properties.
Official evidence page →Last verified: 2026-08-23
Direct mortgage lender
OptionWide Financial
OptionWide Financial offers DSCR financing for 5–8 unit multifamily investment properties.
Official evidence page →Last verified: 2026-08-24
Direct/non-QM mortgage lender
A&D Mortgage
A&D Mortgage offers DSCR financing for 5–8 unit multifamily investment properties.
Official evidence page →Last verified: 2026-08-24
Direct investor mortgage lender
Lend Investors Capital
Lend Investors Capital offers DSCR financing for 5–8 unit multifamily investment properties.
Official evidence page →Last verified: 2026-08-24
Related financing structures
Short-Term Rental (STR) DSCR Loan
Finance Airbnb/VRBO-style rental property
Single-Property DSCR Rental Loan
Finance 1-4 unit rental using property cash flow
Rental Portfolio / Blanket Loan
Finance multiple properties under one facility
Fix-and-Flip Loan
Acquire/rehab/resell residential investment
Ground-Up Residential Investor Construction Loan
Build residential investment property
No-Ratio / No-Income Investor Bridge Loan
Short-term investor financing without personal DTI focus