5 to 10 Unit DSCR Loans: Small Multifamily for Investors
By Travis Penny, mortgage broker ·
Last updated October 15, 2026
Program page: 5 to 10 unit DSCR and small multifamily loans. For short term 5 to 9 unit buildings see 5 to 9 unit STR loans.
Long term first
Many 5 to 8 unit programs require long term leases and will not count Airbnb income. Ask before you underwrite a short term plan.
Next step
DSCR calculator, then contact me.
FAQ
- Can I get a DSCR loan on a 5 unit property?
- Yes, through small multifamily DSCR programs I broker. Not everyone will qualify.
- Does UWM do 5 to 10 unit DSCR?
- No. These are specialty investor programs, not agency loans.
- Can short term rent qualify a 5 to 8 unit building?
- Often no. Many programs require long term leases at that size.
- Do I need an LLC?
- Some states and programs require LLC vesting. Check my Licensing page.
Does the rent cover the payment?
Enter the rent and the full monthly payment to see the DSCR on a property before you make an offer.
Run your numbers