DSCR Loans
Investment property financing qualified on the property’s debt service coverage ratio.
View programMulti-Family Lending
Multi-Family Loans in Washington, DC
DSCR Loans Direct provides multi-family loans for real estate investors acquiring or refinancing 2–4 unit investment properties throughout Washington, DC, Maryland, and Virginia.
Or call (866) 791-4411 — speak with a lending expert
How It Qualifies
Every unit counts toward the same loan.
A multi-family loan is scored on what the building collects in total each month against what it owes each month. Several units sharing one roof and one loan is precisely what makes the income steadier.
Income In
Combined monthly rent
- Rent from each occupied unit
- Market rent on any vacant unit
- Confirmed against the rent roll
Obligation Out
Monthly payment
- Principal and interest
- Property taxes
- Insurance
- HOA dues, where they apply
The Ratio
Coverage
A ratio of 1.00 means the combined rent exactly covers the payment. Because the units share one loan, a vacancy in one of them does not carry the weight it would on a single-family rental.
This program covers non-owner-occupied 2–4 unit buildings held as income assets.
Multi-Family Loans in Washington, DC
DSCR Loans Direct provides multi-family loans for real estate investors acquiring or refinancing 2–4 unit investment properties throughout Washington, DC, Maryland, and Virginia. Small multi-family sits between single-family rentals and commercial apartment lending, and financing it well means underwriting the building’s combined rental income rather than the borrower’s paycheck.
How Multi-Family Loans Work
A multi-family loan is scored on the total income the units produce measured against the property’s monthly obligation. Because several units share one roof and one loan, a vacancy in a single unit does not carry the same weight it would on a single-family rental — one reason investors move into small multi-family as a portfolio matures.
Properties We Finance
This program covers non-owner-occupied 2–4 unit investment properties: duplexes, triplexes, and quadplexes held as income assets. Single-family rentals, condos, and townhomes are financed under the DSCR and long-term rental programs. Owner-occupied primary residences are not financed under any program.
Purchase, Refinance, and Stabilization
Investors use multi-family financing to acquire a building outright, to refinance one already held, or to move out of short-term debt once units are leased and the property is performing. A building acquired with partial vacancy is often financed short-term first, then refinanced into permanent financing once the rent roll is filled in.
Why Investors Choose DSCR Loans Direct
Investors across the DMV market work with DSCR Loans Direct because small multi-family gets underwritten on its own merits rather than squeezed into a single-family box, backed by decades of hands-on real estate investing experience. As a trusted, expert private money lender, the team structures each request around the building and the plan for it.
Multi-Family Financing Across the DMV Market
Based in Waldorf, MD, DSCR Loans Direct originates multi-family loans for investors throughout Washington, DC, Maryland, and Virginia, including Baltimore County, Baltimore, Prince George’s County, Annapolis, Alexandria, Rockville, Prince William County, Fairfax County, and Loudoun County. Investors acquiring 2–4 unit property anywhere in the region can rely on DSCR Loans Direct for income-based financing.
Looking at a 2–4 unit building?
Send us the address and the rent roll. We’ll come back with next steps.
Ready When You Are
Have a Deal in Front of You?
Tell us about the property and the financing you need — we’ll respond with next steps.
Call (866) 791-4411Step 1: Submit Your Deal
The same qualifying questions we use for an initial funding review, one step at a time.