Commercial DSCR loans fund 5+ unit multifamily, mixed-use, retail, office, industrial, self-storage, and small commercial real estate at up to 75% LTV. Unlike traditional CMBS or bank commercial loans, DSCR commercial programs skip the tax returns, personal financial statements, and full-scope commercial underwriting — qualifying is streamlined to property DSCR and borrower credit.
Standard commercial DSCR terms: $500k-$5M loan amounts, 680+ FICO, 25-30% down, 5/7/10-year fixed with 30-year amortization (balloon at term), LLC or S-Corp vesting, and DSCR minimums of 1.15-1.25. Property types accepted: 5-30 unit apartments, small strip retail, single-tenant NNN, mixed-use where residential dominates, self-storage facilities, small industrial/warehouse, medical office, and some hospitality.
Commercial DSCR is ideal for investors moving up from residential rentals into small commercial without the friction of a full commercial underwriting file. Get a commercial DSCR quote or explore multifamily options for 2-4 unit alternatives.