TWO TO FOUR UNIT PROPERTIES
Premium Financing for Small Multifamily Investments
TWO-TO-FOUR UNIT PROPERTIES
Two-to-four unit properties offer the perfect balance between residential simplicity and multifamily cash flow. With multiple income streams under one roof, these properties allow investors to scale faster while still benefiting from flexible residential-style financing.
WHY INVESTORS CHOOSE 2–4 UNIT PROPERTIES
Multiple Income Streams
More units mean stronger monthly cash flow from a single property.
Lower Risk Through Diversification
Vacancy in one unit doesn’t eliminate all rental income.
Scalable Growth
Acquire more doors without purchasing multiple properties.
Flexible Financing Options
Still qualifies for many residential and DSCR loan programs.
KEY PROPERTY FEATURES
- 2, 3, or 4 residential rental units
- One building on a single parcel
- Separate living spaces for each unit
- Shared or separate utilities (varies by property)
- Ideal for house hacking or full rental strategies
- Strong cash-flow potential
WHO THIS IS IDEAL FOR
Investors Focused on Cash Flow
Higher income potential compared to single-family homes.
BRRRR & Value-Add Investors
Renovate units, raise rents, and refinance into long-term debt.
Investors Scaling Their Portfolio
Add multiple doors with one acquisition.
Borrowers Seeking Efficient Financing
Because 2–4 units sit at the intersection of residential and multifamily lending.
SAMPLE DEALS
Real Investors. Real Results.
Duplex Rental Acquisition
$565,000
Property Type: 2-Unit
Loan Type: DSCR
LTV: 75%
Total Monthly Rent: $5,100
Close Time: 14 days
Fourplex Fix & Hold
$740,000
Property Type: 4-Unit
Rehab Budget: $120,000
Loan Type: Fix & Hold
Post-Rehab Value: $980,000
Triplex BRRRR Strategy
$610,000
- Rehab: $85,000
- Refi Appraisal: $820,000
- Loan Type: Bridge → DSCR
Fourplex Value-Add Acquisition
$825,000
Property Type: 4-Unit
Rehab Budget: $95,000
Loan Type: Bridge Loan
Initial LTV: 85%
Stabilized Monthly Rent: $8,400
QUICK QUALIFICATION CHECKLIST
- Property contains 2–4 units
- Purchase or refinance scenario
- Rental income supports loan payment
- Property is livable or rehab-ready
- Funds available for down payment and reserves
- Ability to close in 7–21 days
- LLC or personal name acceptable
HOW WE FINANCE TWO-TO-FOUR UNIT PROPERTIES
We provide flexible, investor-focused loan programs designed specifically for small multifamily properties, including:
DSCR Loans based on rental income
Fix & Flip Loans for unit renovations
Fix & Hold / BRRRR Loans
Bridge Loans for fast closings
Long-Term Rental Loans for stabilized properties
Our process is fast, transparent, and tailored to help you close with confidence.
READY TO SCALE YOUR PORTFOLIO?
Two-to-four unit properties allow you to grow faster without added complexity. Our team delivers premium lending solutions with speed, clarity, and investor-first execution.
FREQUENTLY ASKED QUESTIONS
They’re considered residential multifamily, which allows for more flexible financing than large apartment buildings.
We do not do owner occupied properties or house hacking. It must be for investment purpose only.
Yes. Rental income from all units is used to qualify.
Most deals close within 7–21 days, depending on complexity.
Yes. Fix & Flip and Fix & Hold loans can cover purchase and renovation costs.
Minimum credit score of 660 – however 700+ is preferred.
Yes. Portfolio and multi-property financing options are available.
Yes, we do lend nationwide.
Some long-term DSCR loans include short prepay periods. Bridge and fix & flip loans usually do not.
Complete the pre-approval form and receive custom terms—often the same day.
