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DSCR Loans for Duplexes, Triplexes & Fourplexes
Explore DSCR financing for two-to-four-unit rentals and advisor-reviewed options for select larger properties. Compare rent rolls, expenses, and loan structures.
Business-purpose investment financing. Options are subject to lender and property review.
Start with each unit's rent and occupancy
For a duplex, triplex, or fourplex, the combined rent matters, but so do vacancy, lease terms, taxes, insurance, and association costs where applicable. Bring a unit-level rent roll so the review reflects the actual property rather than an assumed fully occupied building.
Know where residential DSCR ends
One-to-four-unit rentals and select five-to-eight-unit properties may be considered, subject to lender review. That does not mean every larger building qualifies for residential DSCR terms. Unit count, configuration, commercial space, and lender rules may move the property into multifamily or commercial underwriting.
Align the loan with the property's condition
A stabilized building and a major repositioning project need different financing discussions. If substantial rehab or lease-up remains, compare a bridge period with a later permanent refinance. Avoid relying on future rents to solve an immediate payoff without confirming the takeout requirements.
Questions before you apply
Are five-to-eight-unit properties automatically eligible?
No. Select properties may be considered, subject to lender and property review. Larger or mixed-use assets may require a commercial structure.
Can I buy a fourplex to live in one unit?
These pages describe business-purpose investment financing. Tell the advisor about any planned owner occupancy so the appropriate financing path can be identified.
Explore financing for your investment strategy
Compare property fit, qualification factors, and what to prepare
DSCR rental loans
- Rental purchase
- Rate-and-term refinance
- Cash-out refinance
- Bridge-to-DSCR planning
- Portfolio DSCR Loans & Refinance
- Short-Term Rental & Airbnb DSCR Financing
- DSCR Loans for LLC-Owned Rentals
- DSCR Loans for Duplexes, Triplexes & Fourplexes
- BRRRR Refinance & Hard Money Exit
- Calculate rental DSCR
- Planning guides
Program options by market
Capital options shaped around your deal
Pillar combines technology with advisor-led structuring, reviewing multiple lender and capital options against your property, timeline, and exit plan.
Review my financing optionsNo obligation. Rates and terms require underwriting approval. Read disclosures.