Tam Nguyen

🏢 MULTIFAMILY (5–8 UNITS) – DSCR PROGRAM

Real estate investors looking to acquire small multifamily properties? This program is built for you.

Key Program Highlights:

✔ Minimum Loan: $400,000
✔ Maximum Loan: $4.5 Million
✔ Max LTV (Purchase): 75%
✔ Max LTV (Refinance): 70%
✔ Term: Up to 30 Years
✔ Prepayment Penalty: Up to 5 Years

Program Requirements:

• No rural properties
• No late mortgage payments
• No active bankruptcy

This program is ideal for investors looking to scale into 5–8 unit apartment buildings while qualifying based on property income.

📩 DM me if you have a deal to analyze.
📞 346-500-2085

Let me tell you about this. Our select program has an option with no monthly payments at all. What a game changer. And so we are transparent the rate goes to the higher end.

DSCR: Par Rate vs. Buy Down — What’s Better?

When structuring a DSCR loan, you typically have two options:

Par Rate

• Priced at the current daily market rate
• No discount points
• Option for no origination (or comp rolled into the rate)
• Lower upfront cash to close

Buy Down the Rate

• Pay discount points at closing
• Below-market rate
• Lower monthly payment
• Stronger long-term cash flow

👉 Short-term hold or refinance strategy? Par often makes more sense.
👉 Long-term rental hold? Buying down can improve returns over time.

The right choice depends on your exit plan and how long you’re keeping the property.

If you want me to run both scenarios on your next DSCR deal, message me and I’ll break it down side by side.