15% Down DSCR Loans for 2–4 Unit Properties (Myth or Real?)

Описание: Many real estate investors hear that you can buy a duplex, triplex, or fourplex with just 15% down using a DSCR loan — but is that actually true, or is it a myth?

In this video, I break down how DSCR loans work specifically for 2–4 unit properties, why they’re often easier to qualify for than single-family rentals, and what lenders are really looking at when approving these deals.

DSCR loans are based on the property’s rental income, not your personal income. That means no job verification, no debt-to-income ratio, and no personal tax returns. For multi-unit properties, stronger rental income often makes it easier to hit the required DSCR ratio — even at lower down payments.

I also cover how appraisers determine market rent using the 1025 form, what happens if the appraisal comes in lower than expected, and real strategies investors use to still get approved.

Chapters

00:08 What a DSCR Loan Is (and What Lenders Don’t Look At)
00:30 Why This Video Focuses on 2–4 Unit Properties
00:41 Why DSCR Loans Are Easier on Multi-Units
01:05 DSCR Ratio Explained (Taxes, Insurance & HOA Included)
01:20 How Appraisers Determine Rent (Form 1025)
01:48 What to Do If Appraisal Rents Come in Low
01:59 Strategies to Improve DSCR Approval
02:26 DSCR Loan Fees on Multi-Unit Properties
02:47 Credit Score Tiers & Pricing Differences
03:28 Minimum Credit & Experience Requirements
03:47 Rental Experience Rules for 15% Down
04:00 Reserve Requirements Explained
04:22 Who the 15% Down DSCR Loan Is Best For

Best for investors who

Are buying a duplex, triplex, or fourplex
Want to qualify based on rental income only
Are exploring 15% down DSCR options
Have solid credit and some rental experience
Want to scale without using personal income

Work With Me

If you’re looking to buy or refinance an investment property using a DSCR loan — especially a 2–4 unit property — I specialize in helping investors structure these deals correctly from day one.

Drop a comment, send me a message, or reach out directly and I’m happy to help you review your numbers.





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