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Multifamily DSCR Rental Loan

Flexible financing for 5 to 10-unit multifamily properties based on rental income.

3 min
No credit check

What is a multifamily DSCR rental loan?

A multifamily DSCR rental loan provides quick financing for real estate investors purchasing or refinancing rental properties with 5 to 10 units. The DSCR (Debt Service Coverage Ratio) measures the property’s ability to cover its mortgage and expenses, helping determine the loan amount. A higher DSCR increases an investor’s borrowing potential.

Multifamily properties only

For properties with 5-10 units. 10+ units are considered case-by-case

Competitive loan terms

Choose from fixed-rate or adjustable financing options

Flexible loan structures

Finance individual properties or portfolio rental properties

Quick closings

Funding in as fast as 18-30 days

Multifamily DSCR Loan (5-10 units)

For investors acquiring 5+ unit properties, including small apartment buildings (10+ units considered case by case)

Loan amounts: $500K - $5M (cross-collateralized available)
Minimum credit score: 660
Minimum DSCR: 1.00x
Leverage: Up to 75% for purchase and rate-term refinances, and 70% for cash-out refinances
Payment: Interest-only available (up to 10 years)
Terms: 30-year fixed or adjustable rate options
Operating reserves: 30% of rental income assumed for underwriting
Fees: No application fee. No income verification.

What is the BRRRR strategy?

The BRRRR strategy involves four essential financing phases:

Buy

Kick off your BRRRR journey with YouLand’s Fix-and-Flip and Bridge Loan options. We offer up to 93% Loan-to-Cost (LTC), giving you the flexibility and speed you need to acquire properties quickly. Our loans are designed to help you complete projects efficiently – perfect for investors looking to move fast.

Rehab

Transform your property with confidence! YouLand covers up to 100% of rehab costs, so you can make impactful upgrades without breaking the bank. Plus, with fast closings in as few as 7 business days, you’ll be ready to start renovations almost immediately.

Rent

Once the rehab is complete, it’s time to start earning. Rent out your property and enjoy passive income. Need help setting the right price or managing tenants? YouLand offers guidance on pricing and property management to help you maximize occupancy and returns.

Refinance

Time to take your investment to the next level with our Long-Term DSCR Rental Loans. Our loans offer lower rates and cash-out options, allowing you to free up capital for your next project. Whether you’re looking to expand your portfolio or reduce your monthly payments, we’ve got you covered.

Repeat

The best part of BRRRR is doing it again – and YouLand makes it even easier. Our streamlined process and shorter seasoning requirements mean you can move on to your next deal faster than ever.

Same-day closings

From form to funding in hours, not weeks. No other lender matches YouLand's speed.

Step 1: Provide a few details on the project you're looking to finance

Step 2: Fill in your details like FICO & number of projects exited

Step 3: Choose your desired loan term to receive pricing.

States we lend in

YouLand is dedicated to supporting real estate investors nationwide with our technology, capital, and investment experience.

We currently lend in the following 42 states:

Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Illinois, Indiana, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Mississippi, Missouri, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Washington, West Virginia, Wisconsin, and Virginia.

We currently do not lend in the following states:

Idaho, Montana, Wyoming, North Dakota, South Dakota, Iowa, Nebraska, Minnesota.

Frequently asked questions

Have questions? Our real estate finance experts are here to help — every step of the way.

Here is a list of property types for which we are unable to offer loans at this time:

  • Rural properties
  • Commercial real estate, including office, retail, and hospitality
  • Mobile homes
  • Manufactured homes
  • Multi-family in New York and New Jersey

In addition, we are 1st lien only and can’t do 2nd or 3rd.

YouLand is a technology-enabled real estate lender founded in 2017 by Richard Jia, a former private equity investor at Fillmore Capital Partners. We provide fast, flexible, and reliable capital to property investors across the U.S.—whether they’re flipping homes, building ground-up developments, or growing rental portfolios. Backed by deep capital markets expertise, YouLand helps real estate entrepreneurs scale with confidence in the $25B+ bridge lending space.

Yes — we require an appraisal for all our loans to ensure accurate property valuation.

Yes — we believe in full transparency. Our loans include standard fees such as origination, underwriting, and document preparation.

No, you don’t need a business entity to secure a loan with us.

Visit our portal at apply.youland.com, fill out the online application form, and submit the required documentation. Our team will review your application and reach out to you as soon as possible.

We typically fund loans up to $30 million, but we don’t have a hard cap — larger deals can be considered on a case-by-case basis.