Why a site just for 5-10 units
Small apartment buildings fall between two worlds. They are too big for the residential guidelines that cover houses and fourplexes, and often too small for a bank's commercial desk to prioritize. The wholesale programs that do work at this size have their own rules on unit counts, loan sizes, experience and how coverage is measured. Investors moving up from fourplexes regularly get caught by the difference. This site exists to explain that lane plainly and to shop it well.
If your property has one to four units, the Texas home site, dscrloanstexas.com, is the right place. For all Texas DSCR options, see that site.
How we work
- We start with your rent roll and operating statement and re-run them the way an underwriter will, with realistic Texas taxes and insurance.
- We tell you which wholesale programs accept the building's unit count, location and condition.
- We compare structures, not just pricing: term, amortization, prepayment and reserves.
- The lender you choose underwrites, approves and funds. We coordinate appraisal, insurance and title.
We only arrange business-purpose loans on non-owner-occupied investment property. We don't arrange owner-occupied, consumer-purpose or government-insured loans. Ready to talk about a building? Start a scenario.
Licensing and disclosures
DSCR Loans Texas 5-10 Units is a Loan Daddy LLC brand, NMLS 2827624.
DSCR Loans Texas 5-10 Units is a Loan Daddy LLC brand, NMLS 2827624.
Loan Daddy LLC, NMLS #2827624 (nmlsconsumeraccess.org), is a mortgage broker, not a lender.
- Broker, not lender
- NMLS #2827624 (look up on NMLS Consumer Access)
- AZ CMB Licensed · #CMB-2016143
- Equal Housing Opportunity
Business-purpose loans for non-owner-occupied investment property only; not for personal, family or household use. Not a commitment to lend. All loans subject to underwriting and lender/investor approval; terms subject to change.
Full details on the licensing page.