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Multifamily DSCR Rental Loan
Flexible financing for 5 to 10-unit multifamily properties based on rental income.
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)
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 90% 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.
Forget the paperwork and waiting — we make real estate financing fast, focused, and builder-ready.
Step 1: Provide a few basic details to get pre-approved.
Step 2: Submit the required documents to secure the lowest rate.
Step 3: Final underwriting.
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.
At YouLand, we offer bridge loans for short-term financing, fix and flip loans for purchase and renovation, and ground-up construction loans for long-term construction financing.
- Bridge Loans: Short-term financing solution used to bridge the gap between buying a new property and selling an existing one. We focus lending to “stabilized” properties that do not require extensive rehabilitation.
- Fix and Flip Loans: Short-term loans designed to cover both immediate purchase and renovation costs of properties intended for resale.
- Ground-Up Construction Loans: Loans used to finance the construction of new properties from the ground up.
YouLand offers loans to single-family homes (1-4 units), multifamily properties (5-29 units), as well as condominiums.
At the moment, we strictly do not provide loan for: commercial real estate (office, retail, and hospitality), rural property, land, mobile home, manufactured home, halfway housing, senior care facility, or any housing that are age restricted. We also do not provide any 2nd liens loan and cash out refinancing for properties with deferred maintenance.