2-4 Unit Property Financing
Small multifamily properties (2-4 units) offer the perfect balance of residential simplicity and commercial cash flow. Finance your next duplex, triplex, or quad with programs designed for investors.
Industry Challenges
Higher down payment requirements than single family
Complex income calculations for multiple units
Deferred maintenance across multiple units
Tenant management during renovations
Mixed-use considerations in some properties
Our Solutions
Competitive LTV up to 80% on stabilized properties
DSCR qualification based on total property income
Renovation financing for value-add opportunities
Flexible programs for occupied properties
Mixed-use friendly with residential majority
2-4 Unit Property Financing
Duplexes, triplexes, and quadplexes represent an ideal entry point into multifamily investing while still qualifying for residential financing programs. These properties offer multiple income streams with manageable complexity.
Why Invest in Small Multifamily?
Cash Flow Benefits
- Multiple rent checks reduce vacancy risk
- Higher gross rent multipliers than SFR
- Shared expenses across units
Financing Advantages
- Residential loan programs (easier than 5+ units)
- DSCR options available
- Lower commercial complexity
Investment Strategies
House Hacking Live in one unit, rent the others:
- Reduce or eliminate housing costs
- Build equity while living for free
- Learn property management hands-on
Pure Investment Maximize cash flow with all units rented:
- DSCR loans with no income verification
- 30-year fixed rate options
- Cash-out for portfolio growth
Value-Add Renovate and reposition:
- Bridge loans for acquisition + rehab
- Increase rents through upgrades
- Refinance into permanent financing
Property Types
We finance:
- Side-by-side duplexes
- Stacked duplexes
- Triplexes (various configurations)
- Quadplexes and four-plexes
- Mixed residential/commercial (residential majority)
Loan Parameters
- LTV: Up to 80% on stabilized, higher on value-add
- DSCR: Minimum 1.0-1.25 depending on program
- Terms: 12-month bridge to 30-year fixed
Quadplex Value-Add Success
An investor purchased an underperforming quadplex with below-market rents and deferred maintenance. Our bridge loan covered acquisition and $80K in renovations. After updating all units and raising rents, the property refinanced into a DSCR loan with 25% equity captured.
Available Programs
DSCR Small Multi Loans
Long-term financing based on property cash flow
Value-Add Bridge Loans
Finance acquisition and renovation of underperforming properties
Portfolio Loans
Finance multiple 2-4 unit properties in one loan
House Hack Financing
Owner-occupied small multifamily programs
Other Industries
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Our team specializes in 2-4 unit properties financing. Let us help you find the right solution for your business.