Clients looking to finance mid-sized multifamily properties (5 to 10 units) often find themselves stuck between residential and commercial lending standards. Traditional guidelines can be restrictive, requiring detailed income documentation, debt-to-income calculations, or commercial underwriting that slows down the process.
Dominion Financial Wholesale bridges that gap with a streamlined DSCR loan program tailored specifically for 5–10 unit properties. This solution offers brokers a way to help clients qualify based on the cash flow of the property alone, bypassing traditional income requirements and allowing deals to move forward faster.
Flexible Qualification for Mid-Size Multi-Unit Properties
Our 5–10 Unit DSCR program is designed to serve clients purchasing or refinancing income-producing properties who may not meet conventional loan guidelines. Because we underwrite the debt service coverage ratio – not personal income – this program works especially well for self-employed individuals, clients with complex tax filings, or those seeking simplified alternatives to full documentation.
Rather than requiring W-2s, paystubs, or personal financial statements, we focus on the income potential of the subject property. If the property cash flows, the loan can be structured to fit.
Program Overview
Here’s what brokers can expect:
– Up to 70% LTV for purchase and rate/term refinance
– Up to 65% LTV for cash-out refinance
– Loan amounts available up to $2,000,000
– Designed for multi-unit residential properties (5–10 units)
– No TRID – use a GFE or LOI to issue disclosures
– Available in non-licensing states
– Our team can process loans on your behalf to reduce your workload
The combination of streamlined documentation and flexible underwriting makes this program ideal for closing more complex, mid-size residential deals.
Expand Your Reach Without Expanding Your Risk
Many brokers shy away from 5–10 unit deals due to complexity, but our program is built to eliminate unnecessary barriers. Whether your client is acquiring a new building or looking to refinance an existing one, you’ll have a path forward that focuses on results, not red tape.
By using a DSCR approach, we help you provide a real solution for clients who would otherwise be sidelined by traditional lending models.
Let’s Work Through the Details
At Dominion Financial Wholesale, we’re committed to helping brokers grow their business by delivering common-sense lending programs built for real-world clients. Our DSCR 5–10 Unit Loan gives you a reliable way to serve a broader range of borrowers while maintaining speed, flexibility, and support.
Want to run a scenario or get more details? Visit the Broker Portal or contact our team to get started.
