2–4 unit DSCR loan rates
Small multifamily (2–4 units) qualifies for DSCR financing and often cash-flows better per dollar than single-family. It carries a modest add-on over SFR. These scenarios show how lenders price 2–4 unit deals.
Featured: Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit
All lenders with live pricing, sorted lowest first.
| Lender | Est. Rate | Base + Spread + Adj. | Est. Monthly P&I | Apply |
|---|---|---|---|---|
| RCN CapitalLowest | 6.210% | 4.23 + 0.98 + 1.000 | $3,679 | View lender → |
| Park Place Finance | 6.710% | 4.23 + 1.48 + 1.000 | $3,876 | View lender → |
| Easy Street Capitaldated | 6.710% | 4.23 + 1.48 + 1.000 | $3,876 | View lender → |
| Kiavi | 6.835% | 4.23 + 1.60 + 1.000 | $3,926 | View lender → |
| Lima One Capital | 6.960% | 4.23 + 1.73 + 1.000 | $3,976 | View lender → |
| New Silver | 6.960% | 4.23 + 1.73 + 1.000 | $3,976 | View lender → |
| Griffin Funding | 7.085% | 4.23 + 1.85 + 1.000 | $4,026 | View lender → |
| Defy Mortgage | 7.085% | 4.23 + 1.85 + 1.000 | $4,026 | View lender → |
| HomeAbroad | 7.085% | 4.23 + 1.85 + 1.000 | $4,026 | View lender → |
| OfferMarketdated | 7.210% | 4.23 + 1.98 + 1.000 | $4,077 | View lender → |
| Stratton Equities | 7.460% | 4.23 + 2.23 + 1.000 | $4,179 | View lender → |
All 2–4 unit scenarios
Cash-Out · 75% LTV · 720 FICO · 1.20 DSCR · 2-4 Unit
6.21%Purchase · 70% LTV · 700 FICO · 1.15 DSCR · 2-4 Unit
6.21%Purchase · 80% LTV · 740 FICO · 1.10 DSCR · 2-4 Unit
6.33%FAQ
- What rate should I expect on a 2–4 unit DSCR loan?
- Across 3 2–4 unit scenarios we model, estimates currently run 6.21%–6.33% depending on credit, leverage, and coverage. These are indicative, not quotes.
- Which lenders do 2–4 unit DSCR loans?
- All 11 lenders with live pricing on the site quote 2–4 unit deals; the table compares them for a representative scenario, and each scenario links to its full lender breakdown.
Estimated, not a quote.Each lender’s starting rate is anchored to its own publicly-advertised “as low as” DSCR rate (cited and dated on the lender’s page); per-scenario figures apply a standard industry adjustment model— not any lender’s confidential pricing grid — so the comparison stays apples-to-apples. These are not offers; your actual rate depends on the lender, property, and full profile. PropertyInvestorRates may earn a referral fee on a funded loan. We are not a lender or mortgage broker.