Multifamily Loan
Finance 2-4 unit properties and build lasting wealth
Multifamily loans cover 2-4 unit residential properties (duplexes, triplexes, and fourplexes). Whether you're house-hacking or building a rental portfolio, we have the right loan for your strategy.
Key Advantages
Why Choose a Multifamily?
Here's what sets this loan product apart and who it works best for.
House Hacking Ready
Live in one unit while renting the others — tenant income can offset your mortgage payment.
Strong Cash Flow Potential
Multiple units mean multiple income streams, increasing rental income and overall returns.
Portfolio Building
One loan covers multiple units — more efficient than buying single-family properties one at a time.
Appreciating Asset
Multifamily properties tend to hold value well and appreciate over time in strong rental markets.
Calculator
DSCR Calculator
Estimate your debt service coverage ratio for an investment property.
Loan Amount
$300,000
Monthly P&I
$2,098
Est. PITIA
$2,514
DSCR Ratio
0.99x
Below MinimumMonthly Cash Flow
$-14
Calculator results are estimates only and do not constitute a loan offer, pre-approval, or commitment to lend. Actual terms may vary.
Eligibility
Qualification Requirements
General guidelines for Multifamily Loan eligibility. Requirements vary by lender and scenario.
| Requirement | Guideline |
|---|---|
| Minimum Credit Score | 660+ |
| Minimum Down Payment | 15–25% depending on loan type |
| Property Type | 2–4 unit residential |
| Rental Income | May be used to qualify (75% of market rent) |
| Occupancy | Owner-occupied or investment |
These are general guidelines only. Specific program requirements may vary. Contact us for a personalized review of your scenario.
FAQ
Frequently Asked Questions
Common questions about Multifamily Loan loans.
Get Started Today
Ready to explore Multifamily Loan?
Answer a few quick questions and get a personalized strategy recommendation — including whether Multifamily is right for your situation.
West Capital Lending, Inc. is an Equal Housing Lender. We do not discriminate on the basis of race, color, religion, national origin, sex, handicap, or familial status.
Explore More
Related Loan Products
Explore other products that may complement your strategy.
DSCR Loan
Qualify on rental income, not your tax returns
Debt Service Coverage Ratio loans let real estate investors qualify based on the property's rental income rather than personal income documentation. Ideal for self-employed investors and those with complex tax situations.
Learn morePurchase Loan
Buy the home you've been waiting for
Whether this is your first home or your fifth, a purchase loan gets you across the finish line. We offer competitive rates, expert guidance, and a streamlined process so you can close with confidence.
Learn moreInvestment HELOC
Unlock equity in your rental properties
Access the equity in your investment properties to fund new acquisitions, renovations, or operating expenses — without selling your portfolio.
Learn more